vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: AZ

Complaint narrative:
last month I applied for a secured credit card at a bank, then representative told me after pulling my report shows I have SSN, but I am NRA, I only have ITIN, there is no SSN at all.

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 2024-03-14 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 2024-03-14 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Requesting that XXXX adjust my credit card interest rate to the 6 % cap that XXXX statute RS 29:312 states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: AZ

Complaint narrative:
last month I applied for a secured credit card at a bank, then representative told me after pulling my report shows I have SSN, but I am NRA, I only have ITIN, there is no SSN at all.

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 2024-03-14 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: NY

Complaint narrative:
On XX/XX/2024 i wrote you about these accounts and didnt get a response. I also wrote you on the XXXX of XXXX which was last year.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ).

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes. I regret that I am obliged to take such action. As you are aware, federal law compels you to react within 30 days ; yet, you have not responded.

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 2024-03-14 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive requested information on several different dates and have yet to receive a response from XXXX XXXX and no response has been received. Ive disputed the amount numerous times with Experian as to why they have it listed on my credit report when the company shows it as charge off/ write off. I have asked that Experian escalate this matter as I keep getting the run around as to why an account that should be deleted with no balance still reflects my report and lowering my score with no explanation. Experian is the most difficult Bureau to resolve matters with and everyone wants to pass the ball. The staff should be replaced and get people who have empathy for other human beings.

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 2024-03-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
I am having a terrible experience with Citibank after being locked out of my account and they are unable to verify me with their ridiculous policies of verification, they need to verify my number on some public record, and I do not have one. I am not a XXXXXXXX XXXX  nor am I a XXXX  so that's why there isn't any publicly available records with my number. So now I am locked out of my account with no access to my funds and of course no help from Citi. 

XXXX opened an account in branch with Citibank XXXX XXXX XXXX XXXX XXXX 
-Signed up for online banking at the branch ( XXXX XXXX XXXX XXXX ) -Made a deposit before leaving the branch ( XXXX XXXX XXXX XXXX XXXX  -Enrolled for online Wire Transfers XXXX XXXX XXXX XXXX XXXX XXXX -Initiated a Wire Transfer for {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX -Tried logging in the XXXX but saw an error during login XXXX XXXX XXXX XXXX XXXX XXXX XXXXBegan calling to speak to agents to resolve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -After 3 hours of being transferred around finally spoke to someone that can help XXXX XXXX XXXX XXXX XXXX XXXX  -Agent tells me the only way to verify account is to find my number in a public record XXXX XXXX XXXX XXXXXX/XX/2024 ) Its not been more than 15 hours and I constantly keep calling, but not positive response and agents keep hanging up on me. I am pleading with them but they don't even care. I am really hoping you guys can assist me.

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 2024-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a tax levy against my account starting from XX/XX/year>. I contacted the State of California and resolved the issue. Despite the state tax agency sending release authorization letters in 2023, stating that the restriction should be removed, it was not lifted from my safety deposit box, which is perplexing since my Chase Bank checking account is unrestricted. I reached out to the state multiple times between XXXX and XXXX, and they sent multiple letters to Chase Bank via fax and mail, requesting the release of the account. However, each time I contacted the bank, they changed their stance. Initially, the agent claimed the release authorization was invalid. When pressed for an explanation, the agent was unsure and later asserted that it wasn't addressed to Chase Bank. After contacting the state again and receiving another letter, the bank shifted its stance once more, now insisting that the release must explicitly mention the safety deposit box. 

In addition, I'm urgently trying to retrieve my travel documents from the safety deposit box to travel, but the bank refuses to release them or grant me access, despite repeated requests from the state tax agency for the release. It feels as though they are holding me XXXX and engaging in manipulative tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : SANTANDER CONSUMER USA Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I made a cash deposit into my Chime checking account. It was successful. I verified the deposit in the Chime application the same day. I then attempted to transfer {$200.00} from my Chime checking account into my Chime Savings account on the same day XX/XX/XXXX. This was an intra-institutional transfer that usually is instantaneous. The money was shown as leaving from my Chime checking account but not reflected in my Chime savings account balance. I attempted to call Chime customer service around XXXX XX/XX/XXXX and was told by a Chime customer service agent that my issue would be resolved within XXXX hours from the end of the call. XXXX hours later I made several more attempts to Chime customer service because the issue has not been resolved. I was still missing {$200.00} and had been denied access to my money for almost XXXX hours. As of writing this no remedy or relief has materialized from Chime despite admission of fault by Chime representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is holding funds from a check for {$12000.00} that was written from my XXXX XXXX XXXX XXXX. The name on the check was the business name and the subcontractor deposited the check into his personal account. When the subcontractor deposited the check Wells Fargo originally processed the check by transferring the funds from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account into the personal account of the subcontractor. Subsequently, Wells Fargo removed the funds from the subcontractor 's personal account due to the name being different on the check. Over the past 27 months the XXXXXXXX XXXX and myself have made multiple calls, visits, and filed four complaints with Wells Fargo in an attempt have the funds either returned to the XXXX or paid to the subcontractor. We were told various lies regarding what happened and was going to happen with the funds including that they had been returned to the XXXX- Wells Fargo admitted later that this is not the case. We were also told the money was sent to the state of NC and then later told that was not true. We were told to file a complaint with the bank where the check originated ( XXXX XXXX XXXX XXXX XXXX XXXX The XXXX market manager was literally shocked we brought the issue to XXXX and said it Wells Fargo must handle the issue. Wells Fargo also repeatedly refused to share with us in writing what process to follow to resolve this issue. We were told to all meet together at the local branch with ID 's and the funds would be released. We did so and they would still not release the funds.

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 2024-03-14 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Noticed that a couple account wasnt mines and is fraudulent XXXX XXXX- date open XX/XX/XXXX XXXX- date open XX/XX/XXXX XXXX XXXX XXXX - open date XX/XX/XXXX XXXX XXXX XXXX- open date XX/XX/XXXX XXXX XXXX XXXX -open date XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Nordstrom {$710.00} being reported on XXXX I have requested : -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b ) and nothing has ever been provided to me over the past 6.5yrs. This has impacted me being able to purchase a home and has to be removed from my " XXXX '' credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I contacted the credit bureaus regarding items on my credit report that are not right. Whatever investigation they conducted did not fix anything on my reports. There is still things on my credit report that are not supposed to be there and other things that are incorrectly 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 explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I contacted the credit bureaus regarding items on my credit report that are not right. Whatever investigation they conducted did not fix anything on my reports. There is still things on my credit report that are not supposed to be there and other things that are incorrectly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc.
State: MI

Complaint narrative:
My card and account was locked when I noticed fraudulent activity on XX/XX/24. Someone I belive that works at XXXX XXXX purchased XXXX gift cards overnight while I wa sleeping for {$250.00} a piece, then a suspicious charge for kracken tried to go through. I declined the charge and called the account. They locked the card and overnighted me new cards.. but wont let me activate them for over a week now. They are in a foreign country and keep telling me to wait XXXX hours.. everyday is another XXXX hours is the the answer. Meanwhile I just want them to give me my {$1000.00} left in the account and then they can close it and I will never use them again.. they have wanted copies of my birth certificate, DL, marriage certificate, check stubs, XXXX, all which have been sent, which I believe is crazy since they are the fraud company. It didnt take all of this info and verifying to open the account 10 years ago.. why is it taking this much to verify it?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I sent Santander a cease and desist letter on XXXX XXXX, 2024. They broke The Truth In Lending Act, The Fair Debt Collections Practice Act, and The Fair Debt Reporting Act. In addition to them violating those Acts, they also violated The Graam -Leach Bailey Act. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry :XX/XX/2022

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 2024-03-14 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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