vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I was trying to use my ATM Santander debit card today, XX/XX/year> at XXXX  XXXX XXXX  in XXXX, XXXX  and tried twice to use it in XXXX different ATMs to get {$200.00} but both times the transactions were denied. The casino cashier said it was on the bank 's end because it said transaction denied, contact your bank. 
I called Santander Executive office and reported the issue and XXXX said there was nothing being blocked but yet I can't get my own money out of an ATM. This is totally unacceptable.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was looking over my credit report and noticed there are some inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: VA

Complaint narrative:
I was looking over my credit report and noticed there are some inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-24 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: SC

Complaint narrative:
( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries 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 non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXXXXXX XXXX XXXX on XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXXXXXX XXXX XXXX XXXX  XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Since you closed my previous complaint # XXXX, I am forced to file a new complaint. The previous complaint was not resolved. Specialized Loan Servicing was the mortgage company that had the mortgage on my home. In XX/XX/year>, Shellpoint took over the mortgage and but they did not send adequate notifications. I made my XX/XX/year> payment to Specialized Loan Servicing rather than Shellpoint. In the previous complaint I made with your company, Shellpoint responded with a mortgage statement, which neither you and Shellpoint have failed to pay attention to. If you will look at XX/XX/year>, the statement is showing unapplied funds of {$680.00}, then on XX/XX/year>, the unapplied funds were applied to late fees rather than the monthly payment as it should have been. I was one month past due until I brought my account current on XX/XX/year> with a payment of {$1400.00}. I am enclosing bank statements. I can no longer get my mortgage statements as Specialized Loan Servicing is no longer in business and Shellpoint will not provide me with my XXXX mortgage statement from specialized loan servicing.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX, credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, account number XXXX and XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX, account number XXXX, and a credit card account with XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX, credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, account number XXXX and XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX, account number XXXX, and a credit card account with XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Account was closed on XXXX XXXX and received direct deposit on XXXX XXXX. The direct deposit caused the account not to close, but Bank of America has no remitted funds to me related to this deposit.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Upon reviewing my latest credit report, I noticed multiple accounts that appear inaccurate and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I recently opened an account with SoFi due great things Ive heard about it I decided to put all my saving in that XXXX account a couple of weeks ago my account got restricted and so far there have not been any updates, every time I call they say its still under investigation and they can not provide further details nor they would tell me why my account got restricted. I need to access my money I want to withdraw it since I can not longer trust the institution. But they wont let me access my funds nor they would give me any information. The restriction has caused me to lose my paycheck this period and has caused me to be late in payments that cause late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Reporting Inaccuracy by Equifax under FCRA Dear CFPB, I am writing to formally report what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding the inaccurate reporting of my XXXX XXXX XXXX  ( XXXX  ) account. The account is currently listed as a charge-off, which is incorrect. 

In a recent phone conversation with ACA, I was informed that this account is not a charge-off. Furthermore, XXXX XXXX XXXX XXXX Department confirmed that the reporting for this account is accurate and should be listed as " settled for less than owed '' with all three credit reporting agencies. Under the FCRA, if an account is reported inaccurately, it must be removed from a consumer 's report. 

I will be uploading my conversation with ACA, which clearly indicates that the account in question is settled and does not state that it is a charge-off. This documentation supports my claim that Equifax is in violation of the FCRA by failing to report the correct status of this account. 

I kindly request that the CFPB investigate this matter and assist in rectifying the inaccurate information being reported by Equifax. This is clearly a violation of the FCRA, reporting inaccurate information in my consumer report. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Capital One about late fees on an account I've had on automatic payments on tuesday, XX/XX/year>. The representative said the reason the late fees of XXXX XXXX  were added was because i was paying XXXX XXXX  a month and the minimum was XXXX. I explained that the minimum was less than XXXX XXXX  a month, I had no new purchases and that I pay more than the minimum which is why it was set at a XXXX  amount and not the default " pay minimum " option. At this point the representative got argumentative and told me I'm a liar. I then cancelled all credit lines with Capital One. I was never notified of a minimum payment change nor given reason why me paying additional on the accounts was no longer enough to cover especially without accruing more charges. Their business practices are predatory, dishonest and their representatives are trained to argue with customers instead of resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My late husband had a Health Savings Account with HSA Bank, based in XXXX, WI. A Death Distribution check was finally issued, but to the estate. I am unable to open an account with that check, because HSA Bank continues to retain the original documents that I sent : Marriage Certificate, Death Certificate, XXXX  Court Certificate appointing me as Administrator to the Estate. I have no other originals and those are the very same documents that I now need in order to open an estate account. I have repeatedly requested by phone that those documents be returned to me, in addition to sending email requests on XXXX, XXXX and XXXX. I am now in possession of a check that can not be deposited, virtually rendering it null and void, thereby denying me of funds that rightfully belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was recently made aware of this debt. I am not sure where this debt has come from. I reached out to midland credit management asking for accounts numbers and time from of this debt. I received no information regarding this debt. I believe this debt to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good afternoon. 
I was contacted by a client named XXXX XXXX via a messaging app on XX/XX/year>2024, to provide XXXX XXXX XXXX. This included the creation of a visual identity for his brand, such as logo design, colors, mission, and vision. The client offered to pay the full amount upfront via XXXX checks. The checks were sent to my email at XXXX, and I deposited them on XX/XX/year>, at XXXX XXXX 

I have previously received checks without any issues, so I did not suspect that these might be fraudulent. After the first check, for {$700.00}, was returned due to insufficient funds, the client stopped responding to my messages. I later blocked him when I realized I was being scammed. 

I was never informed that I should have visited the bank before depositing the checks, and I simply followed the same process that had worked before. The bank 's decision to close my account has been unjust and has caused me significant harm, as I was a victim of fraud. I am requesting that my account be reinstated, or at the very least, that this incident be removed from my banking record to avoid further harm to my financial standing with other institutions. 

I have always conducted my business honestly and professionally, and I expect my rights to be upheld. 

Please and thank you, 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Nelnet 's response is essentially a deflection of responsibility. XXXX XXXX and XXXX XXXX. XXXX  XXXX  XXXX while they provide some general information about credit scores and how student loans can impact them, they avoid addressing the specific inaccuracies I pointed out in the initial letter. 

Key Issues in Nelnet 's Response : Avoidance of Specific Issues : Nelnet doesn't address the incorrect consolidation status or the presence of closed accounts from previous lenders. 
Focus on General Credit Information : The response provides generic information about credit scores and how student loan payments affect them, but it doesn't address the specific errors XXXX highlighted. 
Misdirection : Nelnet implies that the issues might be with the credit bureaus, not with their reporting, which could be a tactic to shift blame. 

To Whom It May Concern, Your nine-digit SSN # XXXX First and Last Name. XXXX XXXX XXXX XXXX XXXX of Birth. XXXX I am writing to dispute inaccuracies on my credit report regarding my student loan accounts. 

Upon reviewing my credit report, I discovered that Nelnet has incorrectly reported the approved consolidation of my student loans. Additionally, closed accounts from previous student loan companies are being reported, which is inaccurate. I am no longer with Nelnet. Double reporting of as Loans. Consolidation from XXXX is currently reported. 

I request that these errors be corrected promptly. 

I have attached supporting documentation for your review. 

Thank you for your immediate attention to this matter. 

Please find the addendum attached for further details. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation