vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I paid {$6000.00} from my debit account to my credit card. 

Two days later the bank took {$8000.00} out of my debit account and put toward the balance of my credit card. 

I did not move this money, this is the second time that the bank has " accidentally '' done this. 

Last time you reached out to them on our behalf, they reversed the second transaction immediately. 

This time when we called them they said they'd fix it and they did not. The {$8000.00} was reversed from our credit card payment but it was not restored to our debit account. 

Our mortgage payment could not go through as a result of this. Which has now hurt our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX Other Last Names : XXXX Date of Birth : XXXX XXXX XXXX SSN : ______ - _________ - ____________ XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX , I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : COMENITYBANK/VICTORI Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2.00}. 

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX & XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$430.00}. 

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 

XXXX Bank has contacted me regarding Account # XXXX This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
On XX/XX/year> My wife fell victim to a scammer who had likely already had her debit card information skimmed. The scammer attempted a transaction that then triggered my bank 's alert system. The scammer spoofed the bank 's phone number and contacted my wife where he then was able to deceive her through a sophisticated process that allowed the scammer to authorize XXXX separate transactions of {$1500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). When I saw the transaction for XXXX XXXX come through I told her she was on the phone with the scammer, she promptly hung up while I called the real Navy Federal Credit Union fraud department. I made them aware and they were able to secure my remaining funds in the checking account. I have provided NFCU with all information that I can, as well as my wife. Navy Federal credited our account initially, now they are denying the fraud claim and have given us 10 days notice that they will re-claim the money from us. We will have {$0.00} in our account, and actually will go negative. They stated that an appeal will not postpone this process. We will not be able to pay our bill or mortgage and this will impact us negatively even MORE substantially than it initially did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
IM A VICTIM OF IDENTITY PURSAUNT TO THE FCRA ALL FRAUD MUST REMOVE FROM MY NAME AND CREDIT REPORTS ******PLEASE READ THE FTC REPORT THAT IS ATTACHED *****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX report number XXXX. I have requested that Capital One remove all non public personal information from my credit report per 16 CFR 313.7 and 15 usc 6802b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-10-07 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: LEXISNEXIS
State: FL

Complaint narrative:
Several data points from my LexisNexis CLUE report are totally inaccurate and do not correspond to me, and that has caused me financial hardship since I am not able to get auto insurance at a reasonable price. It seems that they derive from the fact that in the report they are linking me to another person or persons in California with similar names who I DO NOT know and is/are not related to me in any way. 

I place a dispute on XX/XX/XXXX with LexisNexis in requesting the information to be removed, and was just informed today XX/XX/XXXX by phone ( up to date nothing in writing ) that the dispute was processed and the erroneous information was not removed from the report since the source of data claims is accurate. I sent LexisNexis proof of my actual social security, driver licence and they still get the erroneous data as accurate. I do not know how to prove negative in this case for information that do not belong to me, after proving who I actually am and that is leaving me liable for huge premium rates for an accident of someone in other state not related to me in any ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-10-07 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-07 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: OH

Complaint narrative:
XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EQUIFAX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$13.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/24 : Made a {$5000.00} payment on a business credit card account. 
XX/XX/24 : My non-Truist bank that houses my checking account released the funds to Truist. 
XX/XX/24 : Realized there was a problem when I tried to use the card, and the transaction would not go through. 
XX/XX/24 and XX/XX/24 : called Truist customer service multiple times. Was informed that my payment was large, and therefore a hold was placed on the majority of the payment. {$5000.00} is large to a XXXX dollar  company?!! Tried to get them to release the hold, which I know they are perfectly capable of doing, but was told I would have to continue to wait until Monday evening possibly Tuesday morning. I asked for a manager to step up the the process, but was basically placed on hold for 30 minutes. Each time that I called and asked why a hold was there, one of the questions they asked was did you make this payment from a Truist checking account? When I responded with no, their comment was simply oh. 
So pretty much they are telling me that Truist is punishing its credit card holders for not having Truist checking accounts by placing excessive holds of 96+ hours on their payments. 
They continued to say that they had to verify the funds before they could release the hold. My bank released the money to Truist on XX/XX/24. Theyve got my money, so what is there to verify? 
XX/XX/24 : Filed a complaint with the XXXX and then filed this complaint, as a credit card company should not have the legal right to hold payments for 96+ hours when people running businesses need to have their credit cards available. 
Let me further state : Ive never made a late payment to Truist, Ive never went over my credit card limit, Ive never requested a credit limit increase, I very rarely allow the balance to roll over, as in the card is paid in full every month, I do not file repeated disputes, therefore Truist has no reason to be holding my payments.

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 2024-10-07 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: FL

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$400.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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