vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You are in Direct Violation of the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX XXXX Acct : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Acct : XXXX XX/XX/XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A : Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One/Neiman Marcus XXXX XXXX XXXX , which has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXXXXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.

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 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I dont remember the exact date but it was XXXX I received a letter saying I was denied a personal loan that I never applied for I called and was told they didnt see anything in the system I feel like someone there ( wells Fargo ) attempted to get a loan and wasnt able to all my correct information was in the letter It looked like any other paperwork. When I called all the guy said was ignore it that it wasnt real and he didnt see it in the system which I feel it was deleted because I was denied and they knew the average person would call and ask about 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

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. 
Account Names and numbers as follows XXXX : XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 writter 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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. 
Account Names and numbers as follows XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX 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 writter 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/, Santander denied me a car loan and violated my ECOA and Tila rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  Santander Consumer USA Inc . 
Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Adverse Action Notice under the Equal Credit Opportunity Act ( ECOA ) and the Truth in Lending Act ( TILA ) Dear Sir/Madam, I am writing to express my deep concern regarding the recent denial of my pre-approval for a car loan with Santander, as communicated to me in writing on [ date ]. As a diligent consumer, I am fully aware of my rights under the Equal Credit Opportunity Act ( ECOA ), USC Title 15 Chapter 41, and the Truth in Lending Act ( TILA ). It is my belief that Santander 's denial of my loan application constitutes a violation of these federal statutes.

Under the provisions of ECOA, lenders are prohibited from discriminating against any applicant based on their race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. TILA, on the other hand, mandates that lenders provide consumers with specific disclosures and explanations regarding credit decisions. 

In light of the above, I am requesting that Santander provide me with an adverse action notice as required by both ECOA and TILA. This notice should clearly state the following information : 1. The specific reasons for the denial of my loan application, including the factors that adversely influenced Santander 's decision. 2. The credit scoring model used by Santander, if applicable, along with the information sources used in generating the credit score.
3. Contact information for the credit reporting agency that supplied the credit report used in evaluating my loan application.

4. A copy of the credit report upon which Santander based its decision, as per my right to request such information under the Fair Credit Reporting Act ( FCRA ).

5. A statement informing me of my right to obtain a free credit report from the aforementioned credit reporting agency within 60 days. 

I would also like to remind Santander of its responsibility to comply with the provisions set forth by these statutes. Failure to provide me with the requested adverse action notice within the specified timeframe may compel me to pursue further legal actions to protect my rights as a consumer. 

I kindly request that Santander promptly addresses this matter to ensure compliance with the law. I expect your full cooperation and look forward to receiving the requested adverse action notice within 30 days of your receipt of this letter.

Please consider this letter as a formal request for the adverse action notice, and kindly acknowledge receipt of this correspondence. You may reach me at XXXX if you require any additional information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, please remove all fraud alerts from my credit report. Remove the extended fraud alert as well. Remove any fraud alert that is reporting to my consumer 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/2022 and there is XXXX that occurred on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX / EXPERIAN Amount Type~ Collection Date Opened XX/XX/XXXX XXXX  Collection Acct- {$1000.00} past due XX/XX/XXXX Balance Updated- XX/XX/XXXX Terms XXXX Months - On record XX/XX/XXXX XXXX DIDN'T DO ANY OF THIS THIS IS FRAUD AND IDENTITY THEFT FOR SURE. HAS BEEN GOING ON FOR YEARS AND I'D LIKE TO BE REIMBURSED FOR EVERYTHING!!! MY CREDIT IS RUINED I CANT DO ANYTHING FOR MYSELF IM REPORTING TO POLICE AS WELL. 

XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX - XX/XX/XXXX They're Taking XXXX Dollars on my XXXX XXXX XXXX and Another Collection Worth 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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:
Please remove this unknown account that is not mine and never will be.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint was closed without any result of the investigation being sent to me. I am refilling this complaint again demanding to send the result of the investigation on these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collections ). If these account can not be verified, I demand these items to be deleted.

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 2023-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX XXXX XXXX account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX ) in response to a solicitation for a {$600.00} bonus. See copy of solicitation which lists all conditions. 
A {$300.00} bonus was to be paid if conditions were met for the checking account and another {$300.00} bonus was to be paid if conditions were met for the savings account. 
At the time of opening the accounts, a {$15000.00} check was present in order to meet the savings account conditions. See copy of account information provided after accounts were established and deposit slip for $ XXXX. 
After the requisite period of time and when all conditions were met, the {$300.00} checking account bonus was paid. No payment for the savings account bonus was paid. 
On XX/XX/XXXX, I visited the branch to make an inquiry as to why I didnt receive the {$300.00} saving bonus. It was then discovered that the XXXX, who set up the accounts, misdirected the $ XXXX to the checking account rather than to the XXXX account. A transfer was then made ( see bank XXXX XXXX XXXX slip attached ). I was told an inquiry would be made up the line about the {$300.00}. bonus and I would hear from the bank shortly. 
Having received no response from the bank, I again visited the branch to learn if any thing was done. A second inquiry went up the line. 
On XX/XX/XXXX another visit to the bank was made at which time I was told there still was no response or resolution. At this time it became obviously to me that no response was forth coming and I closed out both accounts.

Company response to consumer: Closed with monetary relief