vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I successfully opened and was approved for a new MyChoice Premium Checking account with M & T Bank on XX/XX/year>. Shortly after, I successfully registered and set up access to Online Banking, and began setting up direct deposit with my employer in preparation for switching my banking to M & T Bank and initiating my first deposit. On XX/XX/year>, after attempting to log into my account, the account details were missing from the online banking portal. I called M & T customer service, and was informed by the representative that my account was closed because my drivers license was not submitted for review. However, this information was provided during the application process. There was no prompt during the process or communication with me to provide any additional information upon account opening. I did not receive any emails, phone calls, letters, or secure messages asking me to submit further information for review. The only information I received was in regards to receiving my new debit card, checkbooks, and setting up online banking. In fact, I was a previous customer so my information was already verified for previous accounts. This account was closed without warning and without cause, and has disrupted my banking. Furthermore, I opened this account with a welcome offer expecting a {$400.00} bonus. Due to the abrupt closure, I am now no longer eligible for this offer for another XXXX  days.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include XXXX, XXXX, and TransUnion. 

As of XX/XX/XXXX, all three credit reporting agencies ( XXXX, XXXX, and Transunion ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all XXXX of XXXX XXXX consumer credit reports and files. 

XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from XXXX and TransUnion ) - Monthly payment : {$860.00} ( varies from XXXX and TransUnion ) - Status updated : XX/XX/XXXX ( ( varies from XXXX and TransUnion ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from XXXX and TransUnion ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from XXXX and TransUnion ) - Status updated : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to Transunion for partial account # XXXX : - XXXX XXXX ( Unknown payment history ; varies from XXXX and XXXX ) - Monthly payment : {$860.00} ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( varies from XXXX and XXXX ) - Payment History start date : No Payment History being reported ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include XXXX, Experian, and XXXX. 

As of XX/XX/XXXX, all three credit reporting agencies ( XXXX, Experian, and XXXX ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all XXXX of XXXX XXXX consumer credit reports and files. 

Ally has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from experian and XXXX ) - Monthly payment : {$860.00} ( varies from experian and XXXX ) - Status updated : XX/XX/XXXX ( ( varies from experian and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from experian and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX  has furnished to Experian for partial account # XXXX : - Ally Financial ( XXXX potentially negative months of payment history ; varies from XXXX and XXXX ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( varies from XXXX and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : XXXX XXXX XXXX  ( Unknown payment history ; varies from Experian and XXXX ) - Monthly payment : {$860.00} ( varies from Experian and XXXX ) - Status updated : XX/XX/XXXX ( varies from Experian and XXXX ) - Payment History start date : No Payment History being reported ( varies from Experian and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : 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 2024-04-08 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: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$8000.00}

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 2024-04-08 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: NY

Complaint narrative:
I did not start these inquiries, and I have no affiliation with these creditors. Please take them off of my credit report right away.

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 2024-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries on my report I did not authorize. 
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 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

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include Equifax, XXXX, and XXXX. 

As of XX/XX/XXXX, all three credit reporting agencies ( Equifax, XXXX, and XXXX ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all 3 of XXXX XXXX consumer credit reports and files. 

Ally has furnished to Equifax for partial account # XXXX : XXXX XXXX XXXX ( 12 potentially negative months of payment history ; varies from XXXX and XXXX ) - Monthly payment : {$860.00} ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( ( varies from XXXX and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. 3 BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX  ( XXXX potentially negative months of payment history ; varies from Equifax and XXXX ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from Equifax and XXXX ) - Status updated : XX/XX/XXXX ( varies from Equifax and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from Equifax and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. 3 BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( Unknown payment history ; varies from XXXX and Equifax ) - Monthly payment : {$860.00} ( varies from XXXX and Equifax ) - Status updated : XX/XX/XXXX ( varies from XXXX and Equifax ) - Payment History start date : No Payment History being reported ( varies from XXXX and Equifax ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint against I. C. Systems INC Dear Consumer Financial Protection Bureau, I am reaching out to lodge a formal complaint against I. C. Systems INC due to significant breaches of my rights as outlined in the Consumer Financial Protection Act. I have identified that I. C. Systems INC inaccurately reported a collection on my credit file without prior notice or advising me of my right to contest this supposed debt, violating my consumer rights. 

I am exercising my right to cease all forms of communication with I. C. Systems INC, including but not limited to text messages, emails, and telephone calls. I insist on limiting future correspondences to written communication only, as per my consumer rights. 

Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby request that I. C. Systems INC furnish a copy of any purchase order agreement made with the original creditor. My concern lies with the validity and accuracy of the account information provided, especially any clauses indicating potential inaccuracies in the data sold. Should I. C. Systems INC fail to present such documentation, I demand the immediate removal of the account from my credit report. 

Moreover, the reported date signifying the opening of an account with I. C. Systems INC is categorically incorrect. I have neither availed myself of any services or products from I. C. Systems INC nor agreed to any form of contract with them. This misrepresentation is damaging my credit history and violates my rights as a consumer. 

It has also come to my attention that I. C. Systems INC may not hold the requisite licenses or bonds required for debt collection within my jurisdiction. This information casts doubt on the legality of their operations and underscores the urgency for remedial action. 

Given these circumstances, I contend that I. C. Systems INC has contravened regulations set forth in 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). Consequently, I demand the prompt expungement of this collection from my credit report and implore the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these allegations. 

I kindly request to be updated on the developments of this complaint. I appreciate your prompt attention to this matter and look forward to your support in resolving these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ, XXXX ( XXXX ) XXXX XXXX XX/XX/2024

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 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Giggle Finance Inc.
State: AZ

Complaint narrative:
I applied for a loan and I was approved I was even sent the paperwork to sign. After signing I was instructed to send a text to this number XXXX. I was told I just had to confirm my information. I waited till Monday and was not contacted by anybody I was denied even though I was approved. I requested information as to why and got no response. I informed them this was not ok and that I would be filing a complaint. After this I tried to login to view the documents I had signed since I wasn't allowed to print them I figured I would screenshot them and I was now unable to view anything. No documents were showing. I still have not received a response back for the reason of the denial after being approved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 didn't begin these requests, and I have no association with these loan creditors. If it's not too much trouble, remove them 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 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I paid over 6 % interest on my vehicle loan. I am XXXX XXXX with XXXX XXXX XXXX Louisiana. Request XXXX  XXXX  under Louisiana State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
It has came to my attention that some accounts and inquiries that were not authorized by me was placed on my credit report and it surprised me that the bureau are not making sure that all records showing myreports are accurate, the accounts and inquiries are no where attached to me nor do I have anything to dowith them, please kindly remove as soon as possible because it violated my consumer right, reporting inaccuracy is a violation. kindly remove. 


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 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 2024-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I recieved an email from a company called XXXX XXXX XXXX claiming to help me forgive my student loans on XX/XX/2024. This is their website XXXX XXXX XXXX  I am unsure if this is a legitimate company because they asked me for my XXXX username and password, ssn number and address and told me to make 5 monthly payments of {$270.00} and my student loans would be gone. I am unsure if this is a scammer hence why I am making this report. I called back and told them to delete all of my account information they had on file and changed my XXXX password. I also filed a complaint report with XXXX specifically to monitor my student account for any fraudulent activities. Reporting a company with no email letterhead or any stamp to signify what company they are working for, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I sent a request to Trans Union and XXXX back on XX/XX/2023 and I did not get any results from my request. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX acknowledged my request and corrected my credit file. They removed the items listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *** I am sending copy of the results from XXXX with hopes that you will acknowledge my request as they have and remove the listed accounts. Thanks in advance.

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 2024-04-08 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: U.S. BANCORP
State: OR

Complaint narrative:
On or about XX/XX/year> my daughter and I called financial institution to find out why it was a charge off on my report. We were transferred to the fraud department and were told it was indeed fraud and they would send a letter to me explaining I was not liable and also they were to have it removed from my report. 5 week later no letter. After numerous phone calls to same person as before i received a call from him on XX/XX/year> saying he would resend it out and to this day still have not received a letter and it is still appearing on my 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 2024-04-08 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: NY

Complaint narrative:
I recently noticed an account on my credit report that does not match my name, address, or social security number. The name of the account is 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