vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I deposited a check in my sons name as he is a minor to my account. I followed the online instructions. The check was returned with no call from The bank and despite me being signed up for paperless notifications I got a letter mailed that took a week to be mailed with no explanation just that the check was returned. I reached out to the person who issued the check and requested a new check and they gave me a new one that I deposited via ATM. Again no call got an overdraft notice the next day as they returned the check again. I called the branch and they stated they didnt understand it that they would need to call me back. They then called and said that the reason it was returned is it was in my sons name and that I would have needed to come into the branch to deposit it. They then stated that they will mail the check back to me but that it would take a couple weeks. All of this benefits them. At the tune of {$300.00}. The date of the first deposit was XX/XX/XXXX. The date of the second deposit was XX/XX/XXXX. The check was in the amount of {$1000.00}. When I reached out to the branch I was told that I would have to wait on the check. I tried to call the XXXX number for assistance and could not get a live person I used their online messaging through the banking app and was told I should have been able to lock the check up in the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal request for assistance regarding a situation with XXXX XXXX XXXX XXXX that has negatively impacted my credit report. I have recently applied for a credit card through XXXX XXXX, and I was informed that my application would not result in a hard inquiry, only to later discover that the application did indeed result in such inquiries. These inquiries have been listed on my credit report following the rejection of my application. 
As a consumer, I rely on clear and accurate information when applying for credit products, especially regarding the impact on my credit score. I was misled by XXXX XXXX communication, which suggested that the application would not generate a hard credit inquiry if my application was not approved. However, after being declined for the credit card, I was surprised to find that my credit report now contains hard inquiries that were not disclosed as potential consequences of applying. 
I believe this situation constitutes a form of misleading advertising or misinformation, and I respectfully request that the CFPB intervene to assist in the removal of these inquiries from my credit report. The negative impact of these inquiries on my credit score is significant, and I feel that it is a direct result of being provided with misleading information by XXXX XXXX. 
I have made multiple attempts to resolve this matter directly with XXXX XXXX, but they have not been willing to remove the inquiries from 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: NC

Complaint narrative:
Further more pursuant 15 U.S.C 1692 ( e ) ( 3 ) False or misleading representations. 
A debt collector ( IQ DATA INTERNATIONAL ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
You IQ DATA INTERNATIONAL have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately.

Further More You IQ DATA INTERNATIONAL are attempting to collect an alleged debt where the so called original creditor has falsely represented the character and other Violations under 15 U.S.C 1692 e that you are implementing yourself in.

Violation : 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692 ( 2 ) ( A ) 15 U.S.C 1692e ( 3 ) 15 U.S.C 1692 ( 6 ) ( B ) 15 U.S.C 1692 ( 9 ) 15 U.S.C 1692 ( 10 ) 15 U.S.C 1692 ( 11 ) Adversely reporting comments on my Consumer Report 's in violation of the FCRA state 's " Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department '' This statement is a violation of my rights to individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MD

Complaint narrative:
This account was charged off on the following date ( XXXX, XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-12-31 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX. THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA SECTION 605B THAT YOU EXPERIAN THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON. MY CONSUMER XXXX CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN XXXX BUSINESS DAYS OF RECEIVING THIS COMPLAINT. THIS FRAUDULENT, FALSE, AND INACCURATE INFORMATION CONSIST OF XXXX PERSONAL LOAN ACCOUNTS OPENED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNDER THE ACCOUNT NUMBER XXXX. A PERSONAL CREDIT CARD ACCOUNT OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS AND FRAUDULENT ACCOUNTS BEING REPORTED TO MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THESE ACCOUNTS APPEARING ON MY CONSUMER CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE XXXX FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS ARE THE RESULT OF IDENTITY THEFT AND FRAUD.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I trusted chime and was with them for a year thriving in my account saving I am a tax paying citizen and I saved up to XXXX dollars by the XXXX of XX/XX/year> was viciously taken from me by a person who I dont no I ask when I first call them to close that person account to stop them from spending my hard earned money they done nothing but denied me like its my fault my transaction history shows its self I have nerve made a transaction over XXXX dollars this has already ruined my XXXX and left my daughter in shambles and they are telling me its nothing I cant do I caint file a police report cuz I dont no the person or have an adress for this person at this point I would like to take legal action on its like they telling me your money is gone and thats it I need help bad Im willing to even go to court about this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while my credit report shows an outdated address of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I requested payment history and/or proof that I paid off the loan. I was told I couldnt be given proof for at least10 days. I asked if I could access my account online after they removed my account from online banking and was told no. I asked if I could access my statements and was told no. They said my account was closed and I couldnt access anything anymore. I asked for anything proving my account was closed and was told no. The bank drafted $ XXXX out of my account and wont provide any records of that transaction. They wont even give me my account number to file this complaint, and I dont have it because they are holding my online statements hostage. All I have is a payment reference # 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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Discover Financial Services regarding my credit card account under the name XXXX XXXX. I have been experiencing significant issues with this account that I have been unable to resolve despite numerous attempts to contact Discover. 
Since XX/XX/2021, I have not been able to use my Discover credit card because I never received the card after moving to a new address. Despite my efforts to update my address and obtain the card, I have not received any response from Discover. I have attempted to reach their customer service multiple times, but each time I call, I am placed on hold for an extended period without ever being able to speak with a representative. 
Additionally, I can not log into my online account to manage my payments or access any information related to my account. Despite this lack of access and the inability to use the card, I have continued to make monthly payments. As of now, the balance on my account has increased due to these ongoing charges that I did not authorize or utilize. 
I am requesting that Discover dispute all transactions made on this account since XX/XX/2021, as I have not used the card at all during this time. Furthermore, I ask for a full refund of all automatic payments that have been withdrawn from my account over the past XXXX years. 
I have previously sent letters and made phone calls regarding this issue but have not received any satisfactory resolution. Therefore, I am seeking your assistance in addressing this matter with Discover Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I purchased a bracelet on XX/XX/year> from XXXX XXXX. It was late in the XXXX. When I got home I noticed the bracelet had many scratches on it and looked worn and used. The next day I returned it to XXXX. He told me to return it to XXXX on XXXX. I did. He took the bracelet and said he will offer me store credit. I have been back and forth to the store trying to purchase XXXXOn XX/XX/year> XXXX told me and my husband that he was told he is not going to sell me anything and to talk to my bank, he can no longer help me and I no longer have store credit to use. I was so upset. My husband asked what about the XXXX? XXXX said talk to your bank I am not selling you anything and he was very rude, the other employees gave us dirty looks and began to stand behind XXXX. I don't feel safe going there and I don't want them to try to fight my husband. I was scammed out of XXXX and now I don't feel safe going back there.

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 2024-12-31 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: TX

Complaint narrative:
.I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXXXXXX 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 on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : 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  Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : 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  Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-31 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: MD

Complaint narrative:
This account was charged off on the following date ( XXXXXXXX XXXX ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-12-31 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: MD

Complaint narrative:
This account was charged off on the following date ( XXXXXXXX XXXX ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief