vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: TN

Complaint narrative:
Please REMOVE Charged off accounts off my credit report according to 15 US Code 1601 .... Late Payments 15 US Code 1666B... Collections 15 US Code 1692C Hard Inquires 1028A. If these items arent deleted according to 15 US Code 1681 I am owed 1000.00 per item Civil Liability DO YOUR JOB REMOVE THESE ITEMS AND UPDATE MY CREDIT REPORT AND SCORE ACCURATELY and CORRECTLY. THESE THINGS THAT ARE REPORTED I DIDNT GIVE THEM PERMISSION OR GAVE THEM MY INFORMATION SO BY LAW IT IS ILLEGAL!!!! FIX IT OR IM SUING EVERYONE BECAUSE THE PAPER TRAIL IS 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I was a victim of identity theft I never had a sprint account in 2023 I have documentation stating I am a victim of identity theft to prove its not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have a Certificate of Deposit with Marcus by Goldman Sachs that matured on XX/XX/year>. I had established instructions for them to transfer the amount when closing to an account on XXXXXXXX XXXX XXXX XXXX XXXX. I was able to establish the external account access within the Marcus platform. 

The money was never transferred according to my instructions, nor was I notified that it had not been transferred according to my established instructions. When logging into the Marcus app on my phone, there is no history at all of my account. When logging into the Marcus website on my computer, the account exists but it is not possible to transfer the money.

I have called Marcus today and they are telling me that I need to engage in a three-way call between them and the receiving bank the confirm that I own the account. It is unacceptable that I can not access my money, and that Marcus engaged in zero effort to contact me to ensure that I have access to my funds. This is a deceptive business practice as they continue to earn interest on my money, as it has presumably been lent to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: TN

Complaint narrative:
Over the past few months, my husband and I have received phone calls that I owe money to Financial Recovery Services , Inc. for XXXX XXXX XXXX in Texas under my maiden name. We have told them that I have never lived in Texas, so this debt can not be mine. They still proceeded to send mail stating that I owe {$720.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hi! My bank account at Bank of America was closed and I'm not able to open any account at other banks. I was a victim of scammers as a newcomer. I was looking for a job and met the offer of theft. It took me a while to understand that it is not a real job but scam. However, they sent me a check for direct deposit and when I tried to load it it in the system my account was denied and closed. 

I never had such experience with a checks before in other countries, that's why I didn't know exactly how it should work. Could you please help me and change my status in a system so I'll be able to open new bank account in one of the most reliable banks of the USA. 

Let me know if you need any further information from me. 

Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : 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 and so on.

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 2024-04-04 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : 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, and so on.

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 2024-04-04 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX  POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX  Balance {$16000.00} XX/XX/XXXX {$300.00} as of XX/XX/XXXX - {$19000.00} - 69 Months XXXX XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms Repossession. {$16000.00} past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$530.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$530.00} XX/XX/XXXX - - {$530.00} - 1 Months XX/XX/XXXX SANTANDER/CHRYSLER CAP POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated SANTANDER/CHRYSLE R CAP XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$26000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$6800.00} XX/XX/XXXX - - {$26000.00} - 76 Months XX/XX/XXXX XXXX XXXX XXXX  Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXXXXXXXXXX XXXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
Subject : Notice Of Dispute - STFARMBNK XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account STFARMBNK XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account STFARMBNK XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account STFARMBNK XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account STFARMBNK XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.

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 2024-04-04 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: IL

Complaint narrative:
Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.

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 2024-04-04 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: Cascade CISS Holdings, LLC
State: DE

Complaint narrative:
Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX. XXXX  XXXX  XXXX : XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!

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

Complaint narrative:
I am reporting Experian because there is not a name reporting on my credit report and this is a violation of the FCRA. My name is XXXX XXXX and this should be added to my report immediately. How are you accurately reporting anything under my dob or ssn without a valid name? I will attach my credit report to show that Experian does not have my name on my credit report. Furthermore, I sent dispute letters to Experian informing them of invalid accounts on my credit report. It is very obvious that your credit reporting is questionable and not credible. I am requesting that the following accounts are removed from my credit report due to either being incorrect or unverified : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-04-04 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: IL

Complaint narrative:
I am refilling this complaint to TRANSNION with report number XXXX for allowing inaccurate and erroneous information on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account still reporting on my credit report and no further actions have been taken. I have refilled this complaint as a proof that I am sincere and focus in having the account corrected accordingly.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I was charged {$350.00} for my storage unit. This amount was {$150.00} over the amount that was owed. I filed a dispute with my bank, called the storage place and told them this was wrong, he left me a voicemail stating they overcharged me on accident, then 3 weeks later mailed me a check for half of the amount they overcharged me. The bank sided with the merchant because they provided " proof '' the charge was valid. I submit a transcript of the voicemail from the merchant showing that they overcharged me, and sent a copy of the letter show they overcharged me. The bank still sided with the merchant and now I am out {$350.00}.

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 monetary relief