vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: IN

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor : XXXX 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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check for {$120.00} on XX/XX/2023 in the Bank of America mobile deposit tab of the Bank of America application for mobile. On XX/XX/2023, I logged on to the app and saw a message displayed on the top of the screen that read : some deposits may be temporarily delayed due to an issue impacting multiple financial institutions. 
It is now XX/XX/2023, and I have not received any funds from the check. 
I am distressed by this delay. I needed that money to keep my XXXX XXXX XXXXXXXX appointment for today, XX/XX/2023, and it is important that I obtain a new prescription today because I am only prescribed a months supply of my medication at a time. The ambiguity of any deposit date raises further concern and distress. I am currently unemployed, searching desperately for work, and have no resources currently to cover the cost.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
An account I do not use was charged an annual fee ( {$39.00} ), and then a missed payment fee ( {$15.00} ) and interest ( {$.00} ). I called to close the account on XX/XX/2023. 

The account representative read me all of the information about closing the account and confirmed it had been closed. It was clear to me that no payment would be required because there were zero personal charges on the account, only the annual fee and other fees. 

After hearing confirmation the account had been closed, I considered the matter closed. 

The account was not closed. And additional fees and interest continue to mount. I was then informed ( today, XX/XX/XXXX ) by one representative that a closed account does not be the account is closed. They acknowledged the closure of my account from the XXXX call. Another representative on another call ( also XX/XX/XXXX ) said of course a closed account means the account is closed. She then put me on hold for XXXX minutes and then hung up. 

I have called XXXX times over several months to close this account and ask information as to why it can not be closed. It now shows I have a seriously overdue account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Hello, my name is XXXX XXXX, I was utilizing XXXX through my financial institution ( Santander ). I utilized XXXX in order to make a monetary transfer to someone I know. XXXX uses a given individual 's phone number in order to send money, this makes it unique to each person. 

I verified the intended receiver to have been both : - Registered with XXXX in their financial institution- Has the correct phone number associated with XXXX. 

Upon using the CORRECT phone number in order to digitally transfer the funds ( adding up to {$4600.00} ), the funds were sent to the incorrect bank account. In short, whilst inputting the CORRECT information, the funds were sent to some random, INCORRECT individual. 


I attempted to contact Santander customer service only to be directed towards XXXX customer service. I eventually opened a dispute with Santander which was promptly denied, reasons not clear/specific. Both myself and the intended receiver have contacted XXXX multiple times in order to resolve this but we keep getting redirected to either our financial institutions, XXXX, or our mobile carrier. How can XXXX allow the same phone number to be associated with another account? It is a breach of privacy and security for any given individual to have their supposedly secure and unique transaction to be sent to the wrong person. 

No help or real resolution has been provided by any of the institutions involved. Because of a clerical error on behalf of XXXX, did we lose those funds?

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 2023-11-07 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am writing to express my deep concern and hardship in repaying my student loans. Currently, I am required to make monthly payments of {$1300.00}, which is a substantial portion of my monthly income, as I bring home approximately {$3000.00} a month. This financial burden has become overwhelming and unsustainable for me, making it exceedingly challenging to cover my basic living expenses, let alone save for my future. I have diligently tried to manage my finances and fulfill my responsibilities, but the current loan repayment terms are pushing me to the brink. What makes the situation even more challenging is that I have the inability to refinance or consolidate my student loans due to a low credit score. My credit score suffered due to issues repaying credit card debt, primarily stemming from the burden of this student loan payment. I kindly request your assistance and guidance in exploring alternative repayment options or potential loan forgiveness programs that could provide some relief in my circumstances. Your support in addressing this issue would greatly alleviate my financial stress and allow me to plan for a more secure financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I requested Experian to provide proof of where the received a bankruptcy records. On XX/XX/2023 experian replied and stated ( The company that reported the information has certified to Experian that the information is accurate ) Experian still hasn't provided the proof.

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 2023-11-07 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: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This can't be happening!! This company must remove the as they need to validate this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I urge you to inspect the enclosed documents. I'm seeking an inquiry into the accounts that wrongly portray me as late, despite my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/ I tried to withdrawal {$400.00} from XXXX ATM SERVICED by XXXX.this was on XXXX XXXX in XXXX XXXX got an error that said money was returned because it wasnt retrieved fast enough. Unfortunately, I did not take picture of error. IT SAID to contact my financial institution. I did immediately. and reached out to Chime My dispute was denied with no explanation. I have filed an appeal, but have heard nothing. I was leaving the next day for vacation and was going to see from XXXX how to contact XXXX Im sure there are cameras on the ATM to see I never received the money. In fact I never received the message to take card to get money. I had a difficult time getting my card out. I talked to a XXXX employee who saw me having trouble getting my card and got manager. Manager advised they couldnt help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am requesting a review of the attached documents. I would like the bureau to initiate an investigation into the accounts that incorrectly label me as late, despite my consistent on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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:
On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies XXXX, XXXX, and Transunion. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.

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 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/ I attempted to make a payment total of {$320.00}. The payment was received and reversed on the same date without notice. No payment was made and no notification was sent that my email that the payment reversed. On XX/XX/ I checked in on my payment status and noticed my XX/XX/ payment wasnt completed. On XX/XX/ I attempted to make an {$640.00} payment, again the payment Was received and reversed on the same date without notice. The process is setting me back on payments while they continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Capio. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Capio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX {$84000.00} XXXX XXXX, {$37000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX, {$1700.00}

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 2023-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX payment was put in suspension. 
When applied to loan it went to interest only. The principal balance was not lowered. XXXX principal balance was wrong therefore my XXXX payment is off as well. 
No resolution yet. 
They want me to pay for the systems error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
So I filed disputes on my account XX/XX/2023 and I didnt make those charges from XXXX XXXX stores that were from 4 different states and today they replied with a email that I wont be credited for the disputes when it makes no sense when I live in XXXX XXXX and my card was used in other states. And I asked them why wasnt I credited when I dont live any where near the stores and how I was able to make those purchases when I dont even live near those states. If you look at the attachments the store numbers of the XXXX XXXX  are all out of state

Company response to consumer: Closed with explanation