vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Credit inquiries on your report that you don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My student loans from Nelnet is paid off Through debt forgiveness program and I asked them to stop reporting this debt On my credit file please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MD

Complaint narrative:
I have reached Experian to inform them of the following : A notice to Agent is a notice to principal, and a notice to principal is a notice to agent. 



I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title I went on and informed Experian, XXXX, and XXXX that the following accounts are not mines. They are ; XXXX 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 non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: WV

Complaint narrative:
I Received a Loan from the SBA & it was placed into my account at First Horzion Bank in XXXX North Carolina in 2020 the loan was for XXXX I withdrew XXXX for necessities about XXXX hours later after I withdrew the funds my funds was in the negative amount of XXXX I called the bank & spoke with a clerk & the individual explained to me it was a issue with the system & to call back I never got a chance to give them a call back & revive a update due to handling other business ventures. The results of this issue was my account being closed & me owing the first horizon XXXX I was completely oblivious of the action made I called the bank back yesterday & tried to get the XXXX reversed & placed back into my account or receive a check with that amount to place in my new account with XXXX XXXX I was informed by First Horizon bank that they will give me a call on the next business day for a follow up action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Per 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. 
XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants has violated my rights. 

Transunion - XXXXXXXX XXXX XXXXXXXX XXXX Balance - {$5.00}, this is incorrect. 
This information is incorrect from Transunion. 
Current Address XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

The credit Bureau 's reporting is inaccurate. Furthermore, if they went back and fixed the inconsistency, they did not raise my credit score which should have been the correct outcome. Instead, Transunion retaliated against me by lowering my credit score even further because I filed a complaint with the CFPB.

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 2024-05-11 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: VA

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2024-05-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Account XXXX account # XXXX  has been reported fraudulently to XXXX as " Discharged in Bankruptcy '' and was in " good standing. Obviously, XXXX is wrong ; if it had been " Discharged in XXXX  XXXX Bankruptcy, '' the account would not be on my report. The company XXXX XXXX also reported other direct contradictory information to Equifax and XXXX fraudulently. I respectfully request Equifax and XXXX delete this negative account, as well as XXXX given the contradicting, substantial information the company is incapable of providing accurate documentation. XXXX obviously will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX 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, GA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX  My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX 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, GA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: IL

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MS

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A hard inquiry regarding a XXXX XXXX XXXX XXXX has been added back to my credit report via XXXX and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX months. The inquiry is dated XX/XX/XXXX of 2022.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
A hard inquiry regarding a Wells Fargo Service card has been added back to my credit report via XXXX and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX  months. The inquiry is dated XX/XX/XXXX of 2022.

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 2024-05-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A credit card that was fraudulently opened in my name back in XXXX has reappeared on my credit report. This charged off card has been removed since XXXX of XXXX and has appeared back almost XXXX months later. This card is not my responsibility and i would like for it to stop showing on my XXXX report via Experian and XXXX XXXX. i called XXXX trying to remove it and it is not visible on their end.

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 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I had set up direct deposit to Coinbase and {$2300.00} was transferred to them on XX/XX/2024. However, my funds are not available. Coinbase said there was some sort of glitch that prevents my money from being available but hasn't resolved the issue. I have had multiple phone conversations with them and email exchanges but yet not remains unresolved. Case # XXXX is the official case number in the Coinbase system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue : Bank of America providing my personal information to merchant without my consent. XX/XX/XXXX XXXX to XXXX XXXX XXXX charged my account as an annual charge that I did not consent to. I have received a new debit card since I initially signed up with XXXX  XXXX. They were provided my new card information without my consent by Bank of America. I spoke with a customer service representative who attempted to provide me with the information I requested but could not provide me with the Federal Regulation that allows them to provide my account information to the merchant without my consent. I asked to speak to a supervisor. After XXXX minutes I was transfered to XXXX # XXXX who stated she was a customer service supervisor. She refused to provide me with the information I requested XXXX provide me with the contact information within the bank to get the information. She repeatedly stated it is in the terms and conditions and she would email that to me. I told her that I am asking for the Federal Regulation that allows them to give my personal info without my consent. I then told her to close my account that has been with them since XXXX. She came back and said since it is over this much money I would need to go into a branch. I asked to speak to a supervisor. After XXXX minutes on hold, she disconnects.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX2024 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, GA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX My only telephone number is : XXXX Please remove all other names from my report, as the one stated above is my only name. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Opened a Lowes store credit card. Have made every payment on time and maintained good standing with this company. Made a payment of {$2400.00} on XX/XX/XXXX. Went into the store today to purchase materials and the pro desk informs me Lowes closed my account. I have never had a late payment, nor a bad record with this company and they have closed my account for no reason. This will reflect horribly on my credit. Our request that they reopen the same account or completely delete this off of 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 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: SD

Complaint narrative:
On Friday XX/XX/XXXX, I initiated a wire transfer of {$14000.00} to XXXX XXXX XXXX XXXXXXXX XXXX  PNC bank account, from my bank, XXXX. 

By Saturday XX/XX/XXXX, I discovered that the vehicle I purchased had serious undisclosed accidents and legal concerns, making the transaction a scam. 

Concerned about the legitimacy of the transaction, I contacted XXXX on XX/XX/XXXX ( the following Monday, the next business day of my wire transfer ) to initiate a recall of the wire transfer ( case number : XXXX ). XXXX claimed that they sent the message out to PNC right away and need to wait for PNC to respond. They asked me to follow up within XXXX business days. 

Despite filing the recall request promptly on XX/XX/XXXX, I was informed at the end of XX/XX/XXXX ( Tuesday ) that the funds had been successfully transferred by XXXX. XXXX communicated to me that they had issued the recall request immediately on XX/XX/XXXX, but the recipient 's bank, PNC, failed to respond in time to stop the transfer. 

I seek clarity on whether the responsibility for the failure to recall the transfer timely lies with XXXX or with PNC. This issue is critical as the funds were sent to an entity involved in deceptive practices, even after I had officially requested a recall. 
Given the complexity and urgency of this matter, your guidance and intervention would be greatly appreciated to determine the accountability and to potentially rectify this financial mishap. 

Thank you for your attention to this matter. I look forward to your support in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently received a copy of my credit report i was shocked to learn that I have been a victim of identity theft i found numerous accounts on my credit report that I did not open. this has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2024-05-11 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I received a copy of my ChexSystems record and I have found several inaccuracies in the report. 

Account abuse of the following account : Routing # XXXX Account # XXXX Under FCRA 15 U.S.C Section 1681i, I have the right to request deletion of inaccurate or unverified information located inside of my consumer file. You understand that providing inaccurate information to creditors seeking my report is damaging to my reputation and creditworthiness. Therefore, I am asking for immediate deletion of these accounts from my consumer file OR the documentation in which you used to verify that these items are accurate. Be advised, I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified, validated or accurate.
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
They were very very rude

Company response to consumer: Closed with explanation