vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Opened the account and was told that a normal rate would be around 2.9 % after a filed rate exception went through, was told this would likely not be a problem on XX/XX/XXXX Received a statement a month later and the rate exception did not ever come through the interest rate remained extremely low. 

Contacted the bank and was told there is nothing they can do " the exemption was denied '', they do not offer a comparable service at this point nor will there be any recourse for " lost '' interest. 

- '' lost interest '' is important here as I was told that rate exceptions would be retroactively applied to the date the account was opened at the relevant rate. they were not and will not be I do not believe this is the fault of the individual bankers as they did attempt to contact me prior to the statement being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Payments were never late. 15 U.S. Code 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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:
See Attached I've recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-04-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently maintained punctual payments on this account, preventing any occurrences of overdue status. I'm uncertain regarding the causes of the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
I file this formal complaint against TransUnion regarding their failure to uphold the Fair Credit Reporting Act ( FCRA ) and are now required to provide monetary relief for violations of the FCRA and California Consumer Credit Reporting Agencies Act ( CCRAA ). Despite repeated attempts to resolve this matter directly with TransUnion, they have neglected to acknowledge their legal obligations and provide appropriate compensation for their infringements upon my consumer and privacy rights. 

On XX/XX/XXXX, I submitted a dispute letter to TransUnion regarding an unauthorized hard inquiry made by XXXX XXXX on my consumer report dated XX/XX/XXXX. I instructed and authorized TransUnion to remove this inquiry from both my consumer report and file, as it was made without my consent or permissible purpose. While TransUnion promptly removed the inquiry, they failed to issue the monetary relief for their negligent noncompliance which I am due under the FCRA. 

In subsequent communications, I clearly outlined the statutory violations committed by TransUnion, including but not limited to the furnishing of a consumer report without my written instructions, as stipulated by 15 U.S. Code 1681b ( a ) ( 2 ), and the failure to obtain written consent for the inquiry, in violation of California Civil Code - XXXX XXXX. Despite providing evidence of these violations and demanding appropriate redress, TransUnion has not responded satisfactorily. 

Furthermore, TransUnion 's actions have caused significant stress and hardship for me and my family. As the sole provider, these violations have hindered my ability to secure a stable living environment and have had a detrimental impact on my creditworthiness and mental well-being. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that TransUnion fulfills its legal obligations under the FCRA and CCRAA and provides the monetary relief I am entitled to. Issuance of monetary relief is not only required by law but will also serve as a show of good faith on TransUnion 's part to rectify their violations of my consumer and privacy rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion complies with the FCRA and CCRAA. Additionally, I urge the Bureau to hold TransUnion accountable for their negligent noncompliance and failure to provide adequate redress for their violations. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect consumer rights and uphold the integrity of the credit reporting system.

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 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main financial is threatening to garnish wages etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX for the amount of {$610.00} the date they opened the account is XX/XX/2023. I have also already obtained an FTC report for Identiy Theft This account is also in collections I found out with a company called 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 2024-04-22 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: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I got an email saying that Wells Fargo had shipped a card to replace my expiring one. I never received the card in the mail. XX/XX/XXXX, I was buying a snack at my office buildings cafe and my card got declined. I confirmed I had money and proceeded to pay with my Phone. I thought the card declined because my new one had arrived. I got home and checked the mail and had not recieved anything. A few days later I needed a card and went to the bank to get a temp since i had not recieved my new one. They told me those were not offered anymore so I pulled {$40.00} Cash to make it through the week until my new one came in. 
It was XX/XX/XXXX and I had just got home from night school ( XXXX ). I checked my account around XXXX after watching an investing video and I noticed that I had several unauthorized charges to my account. I called immediately and a lady recorded the fraudulent activities and made a claim and locked my card and removed the digital one on my phone as well. The lady had a new card mailed. 
A few days later I was having lunch and noticed those pending charges were getting authorized after I had already called and reported them. I began to look at the history and noticed I missed a few from the day before. 
I called again and the lady went ahead and updated the claim to contain the following ( These are the posting dates ) : XX/XX/XXXX, XXXX XXXX {$31.00}, XXXX {$31.00}, XXXX XXXX {$39.00}. On XX/XX/XXXX XXXX XXXX {$59.00}, XXXX  {$29.00}, XXXX XXXX {$31.00}, XXXX XXXX {$35.00}. On XX/XX/XXXX XXXX XXXX {$25.00}, XXXX XXXX {$7.00}, XXXX XXXX {$10.00}, XXXX XXXX {$54.00}, XXXX XXXX {$59.00}, XXXX {$59.00}, XXXX XXXX {$28.00}. On XX/XX/XXXX XXXX XXXX {$51.00}, and XXXX XXXX {$87.00}. 

I received the first card but it was voided. A few days later I got my new card which finally worked. 
They gave me temperorary credits ( XX/XX/XXXX ) for + {$29.00}, + {$31.00}, + {$35.00}, + {$7.00}, + {$10.00}, + {$25.00}, + {$28.00}, + {$54.00}, + {$59.00}, + {$59.00}, + {$87.00}. Then I received temperoary credits on ( XX/XX/XXXX ) + {$31.00}, + {$31.00}, + {$39.00}, + {$59.00}, and {$51.00}. Then on ( XX/XX/XXXX ) They did a credit reversal for the folowing {$29.00}, {$31.00}, {$35.00}, {$7.00}, {$10.00}, {$25.00}, {$28.00}, {$54.00}, {$59.00}, {$59.00}, and {$87.00}. I called again after this reversal and they said they did not have rights to pursue the claim and that their was nothing else they could do to help me. that call was made XX/XX/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 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I just checked my credit report and notice a collections from Sunrise Credit Service collection on a cellphone bill from XXXX XXXX XXXX. I have not received any type of prior notice from this company before this was added to my credit report or a right to dispute the debt. This was my first time learning that I had the debt when I checked 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 2024-04-22 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 Regions Bank allowed over {>= $1,000,000} to be fraudulently ACHd out of our business checking account. They were able to recover a little over {$600000.00} but we are still owed over {$330000.00} and they said whatever money they do not recover from the banks it was sent to then we will be at a loss for that amount. We had NEVER in XXXX  years of banking with them made these kinds of transactions yet no one reached out from the bank to confirm that it was in fact us initiating these payments before they released them to be paid!

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This account is falsely being reported as an open account. All XXXX XXXX XXXX accounts are inaccurately being reported.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This account is falsely being reported as an open account. All XXXX XXXX XXXX accounts are inaccurately being reported.

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 2024-04-22 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
I recently received a copy of my credit report and noticed that I had fraudulent accounts and inquiries on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. If not you are opening yourself up to litigation.

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 2024-04-22 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: GA

Complaint narrative:
I recently received a copy of my credit report and noticed that I had fraudulent accounts and inquiries on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. If not you are opening yourself up to litigation.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
As explained in prior CFPB complaint, a close out check in amount of {$4200.00} was intercepted by another party while I was on vacation in XXXX of XXXX. A prior check was mailed, a stop payment placed on it prematurely by Capital One rep { XXXX }, second check reissued while I was on vacation, sent via XXXX. Capital One rep by the name of XXXX requested I call, in which case, from past experience, Capital One reps leave a number to reach out but do not accept or return calls ... A message was left today, XX/XX/XXXX, no callback received.. Please note, a prior Capital One rep, XXXX XXXX, left a number to reach out, a total of seven messages left, none returned ... .She claimed she can not return calls while CFPB complaint is in process, which appears to be a lie, calls were never returned, even after CFPB complaint { XXXX } closed out ... .This may appear irrelevant ; however, it goes towards credibility., Further note, XXXX failed to send an affidavit, it was sent several years later, closed out, nothing further done in re.. Affidavit was closed out in error, Capital One reps refuse to reissue, despite their error in stop payment prematurely and failing to send affidavit when matter brought to their attention in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-22 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-22 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed a fraudulent account.Please remove this accounts from my report, they are hurting 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 non-monetary relief
Consumer complaint received 2024-04-22 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: MI

Complaint narrative:
I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. Please inform me of the actions you will take to resolve this matter.

Company response to consumer: Closed with non-monetary relief