vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 2023-05-17 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
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 explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Per XXXX XXXX/XXXX  XXXX  credit card services this account was supposed to be deleted off all 3 credit bureaus

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 2023-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per XXXX XXXX XXXX credit card services this account was supposed to be deleted off all 3 credit bureaus

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 2023-05-17 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: VA

Complaint narrative:
Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}

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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am the Trustee of a Trust that owns a CD at Santander Bank. The grantor/co-trustee has passed away. I have tried to gain access to the account and the branch manager of the XXXX branch continues to deny access or information. At all times since the creation of the trust I have been an active trustee. The bank has a copy of the fully executed trust. I have provided copies of my drivers license and death certificate of the other co-Trustee. To no avail. They continue to deny any type of access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 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 : 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 this late payments and update the accounts 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 non-monetary relief
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 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 : 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 this late payments and update the accounts 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 2023-05-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are MULTIPLE FRAUDULENT inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe 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 2023-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2023, at XXXX, an email was sent by Ally Bank stating that my wire transfer for {$19000.00} had been approved. However, I was traveling and did not have access to my email account until Monday morning on XX/XX/2023. When I saw the email, I immediately contacted ALLY Bank by phone to tell them that I did not authorize any wire transfers. I asked them to reverse the transaction, they then contacted the corresponding bank, and they told me that the corresponding bank refused to reverse the wire transfer and there was nothing they could do except file a dispute claim. I filed a dispute with ALLY Bank, and I reported the transaction my local police department and the FBI since this was an international transaction. I then had an attorney prepare and send a formal response to the Bank 's initial denial. Over the next 5 weeks, I made a number of calls and sent emails to them and on XX/XX/XXXX after almost 2.5 hours in calls with them, they stated that they would not return the funds to my account. In fact, they put a hold on the remainder of my account and upon their decision, they closed my account and sent the balance to me. 

I believe that the following facts should have raised red flags regarding this transaction that should have trigger additional verification by ALLY before they made this wire transfer : 1. In the 5 years of having this account, I have never wire funds in excess of {$1000.00} and each wire was from the ALLY Bank account to my personal checking account, which means this transaction was 19 times more than any previous transaction. 
2. This is a personal saving account why would I be purchasing goods directly from XXXX using a personal saving account. 
3. The amount of the requested wire was more than 50 % of the then account value. 
4. The inability to reverse international wire transfers 5. The level of wire fraud on transfers to XXXX. 
6. The wire transfer appears to have been requested on a Friday and sent the same day. Given the nature and size of this transaction, I do not understand why they would not have given me at least one full business day to confirm before taking an action that could not be reversed.

I have some mental a
nd physical disability and this account represents my life savings. I am not financially sophisticated, but I do not understand how a bank could withdraw that sum of money from my account without my prior knowledge. 

If you need any further information, please contact me. 

Thank you in advance for your attention in this matter

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good afternoon, Wells Fargo Auto caused damages on my car during a repossession process ordered by them, who executed that order was " XXXX XXXXXXXX XXXX '' who used a XXXX  tow truck with which they dragged my car, damaging part of the transmission system, the tires and the back bumper of the car, the damage was serious because the wheels were locked due to a lock that the car has when the key is not nearby. In order to recover my vehicle I had to pay the outstanding fee to the bank and the repossession ; a bank representative said that I could go to the auction yard in XXXX to pick up the car ; On XX/XX/2023, I went to that place where I found several damages in my car ; Before removing the vehicle, I called the Bank to report the damage and file a complaint. I filled out a form there indicating the damages that I could see. At the present date, the Bank does not want to be responsible for the damages caused in my car, 3 months have passed since I filed the complaint and they have notified me 2 times saying that the damages were caused by me and that they are not going to make any repairs to my car. I can not use the vehicle due to the damage it has had since I pick it up from the auction because it is unsafe and dangerous to drive it in these conditions. The Bank says that I have to continue paying the car loan. Since the date I went to pick up my car, I have filed several complaints related with this issue with Wells Fargo Auto and they do not want to be responsible for what they caused, Wells Fargo Auto hired " XXXX XXXXXXXX XXXX '' to recover my car on their behalf, causing the damages described ; " XXXX XXXXXXXX XXXX '' says that they have nothing to talk about with me, that they were hired by the Bank and they give answers only to the Bank. The Car was transferred to the XXXX XXXX auction where I went to pick up my damaged car and filed the complaint ; I need your help, thank you very much.

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 monetary relief
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
there are several companies reporting to my credit that i are online lenders that reporting i have open accounts with them i haven open a account with any of these lenders XXXXXXXX XXXX XXXX Acct was open was XX/XX/2022 and the balance is XXXX, XXXX XXXX XXXX Date Open XX/XX/2022 Balance XXXX, XXXXXXXX XXXX XXXXXXXX Date Account Was Open XX/XX/2022 Balance XXXX, XXXX Date Acct was Open XX/XX/2022 Balance XXXXXXXX XXXX Date Account Was Open XX/XX/2022 Balance XXXX there also a address showing on my credit report XXXX XXXX XXXX XXXX.FL XXXX dont know anyone that lives at this address might be whoever is using my info

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 2023-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I have my loans taken over by Mohela from XXXX. Suddenly my interest amount is way lower and the principal has gone through the roof. 
Many months ago I had asked them to send me all my payments, etc. They said they had to file for a request. This took several months and my calling more than once. Once the information was mailed it was very much incomplete. 
You can not get normal help on the phone with Mohela anymore. 
This can not be legal ; suddenly increasing my principle and decreasing interest. Please let me know what to do. I have no idea how to seek help. 
I hope I filled this form correctly... I wasn't sure which section to select.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi would not cancel the Payment Safeguard fee that I asked them to cancel. They insisted it " protects my payments. '' I still asked that they cancel it. I called on XXXX XX/XX/2023 at XXXX. I wanted to know why I was being charged XXXX cents on a XXXX balance. 

I similarly called a few years ago and was told the same, and then hung up on. 

I found your site and am hoping I can be refunded all the fees Citi has charged me over the years.

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 2023-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-17 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: Self Financial Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Per XXXX XXXX XXXX credit card services this account was supposed to be deleted off all 3 credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a request to confirm the method of investigation for the validated information. The credit bureau did not respond to my request. The responded saying that they updated my results. This was not what I requested and they 100 % did not honor my request.

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 2023-05-17 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: 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 XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : 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 {$4600.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} 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