vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a relationship with Truist bank for almost XXXX  years, when it was a SunTrust and BB & T banks.

My Travel Rewards credit card opened with them for XXXX years and I use it very frequently. 
The card has good cash back rate, I travel very frequently and book my tickets and reserve hotels using it. Most of my trips are in business class and plan my travels in advance. Also I use this card for my everyday purchases, which are obviously becomes frequent because of XXXX and XXXX XXXX time. 
Because of the expenses, I had to ask my housemates to transfer me money using XXXX to pay my credit cards balance. 

Early morning XX/XX/XXXX, when I was in XXXX, I got a call from Truist bank. 
The lady from fraud prevention department asked me who is XXXX XXXX and XXXX XXXX, the people who sent me money. And she said that bank will always verify this type of transactions. 
I explained her that they are my housemates. XXXX XXXX is my common-law and she sent me money from her bank account in XXXX- it was XXXX {$4200.00}. She even was next to me at the moment of call. 
XXXX XXXX is my ex-wife and she sent me XXXX = {$8700.00}. 
I spend money on both of them using my credit card, thats why XXXX expected this transfers. 
I will attach their ids, so you can verify that its not a business related transaction. It was just a transfer to pay my credit card balance to make a purchases. 
We are all live at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I use my Truist checking account as my primary and I have all expenses connected with it - my mortgage, utility bills, internet etc. 
I have a business account in the same bank and do there my business related deposits. I never mixed it with personal. 
So now I have no access to the account and my credit card anymore, because Truist restricted my online access. 

Is it a perfect XXXX gift for me being a loyal bank customer for more than XXXX years? I always recommended this bank to my friends. 
And of course Im aware that XXXX is for family and friends transfer. But why Truist bank restricted my account because my close people living with me together transferred me money?

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
i received a call from my bank stating that someone deposited a check via mobile deposit that was not made from me nor my device i told them i do not share my information and she said she was closing my bank account

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I requested my consumer report from Early Warning Services, I was alarmed to find out that XXXX  XXXX XXXX reports a savings account in my name which I never opened. Bank Name : XXXX  XXXX XXXX This is FRAUD/Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX L XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/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 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
My loans were transferred from XXXX to Mohela. When payments were reinstated Mohela pulled a payment of over {$900.00} from my account I had on file. I set up auto pay with the understanding {$200.00} would be my payment. My total balance is {$9600.00}. I was charge 10 % for my first payment. Once I spend hours and provided personal information and waited over a month, they decided my payment should be {$210.00}. So I agreed to that. Auto pay was set up. No payment was pulled in XXXX XXXX, I was marked as over due. When I called, waited over 50 minutes for a rep, I was told the payment was pending ( from XX/XX/XXXX, I called XX/XX/XXXX ) I disagreed and pressed for more details. The rep then said the auto debit amount was updated on XXXX  and that takes 1-2 billing cycles to update. I asked where to find that on the website, and no answer was given. 
The lack of knowledge, information, transparency of this company is unacceptable. I have had Student loans for 8 years, never a single problem until Mohela. And I am unaware of any other option I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I ordered a product from XXXX XXXX which XXXX XXXX promised to deliver by XXXX before XXXX. They did not deliver it until XXXX after XXXX. I opened a dispute due to the product being late. I paid with PayPal credit. PayPal closed the dispute because they said the product was delivered. They did not address the issue of the product being late. When I tried to supplement the claim PayPal 's website malfunctioned and would not take the additional information into the dispute. I tried chatting with an " online assistant '' but it was a robot and did not solve anything, it just kept sending me to info pages.

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
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Equifax, LLC and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the company listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. The listed institution mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am following up and to bring to your attention a concerning matter regarding my credit report and the recent inquiry made by XXXX without my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CT

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-01-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I have sent a copy of both letters I attached to this complaint and informed them XXXX XXXX does not live in XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. It is my address.

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 2024-01-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to address a matter of great concern pertaining to a recent hard inquiry that has surfaced on my credit report, ostensibly conducted by XXXX. Upon meticulous examination of my records, I feel compelled to dispute this inquiry due to what appears to be a lack of adequate validation and verification processes employed by XXXX. 

XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I called and asked if I would be able to skip a months payment and add it to the end of my loan as I didnt have the finances to pay the bill and have enough money to put food on my table that month. I had lost my job and was looking for another at the time. The lady I talked too ( all of their phone calls are recorded, but they wouldnt give them to me without a court order. Obviously because they know the phone calls are the only evidence I have ) said that she needed to ask a manager. She came back and said that was completely fine, that I would just have a late fee the next month. Im guessing she didnt put that information on my account, and they put a delinquent payment on my credit report. I called them XXXX times and talked to a supervisor. Nobody could fix my issue. They gave me the run around. Every time I asked what their policies are, I always got a different answer. According to the supervisor I spoke with, XXXX of their employees severely broke policy. The XXXX  girl I ever talked too gave me inaccurate information. I still dont know if this bank does help people who are struggling financially because I got so many different answers. The XXXX girl I talked too told me my credit score, which according to the supervisor she was 100 % not allowed to do. The XXXX guy I talked too lied and said that he cant even see my credit score, which I KNOW is a lie because the previous girl told me my score. I got a form to fill out for a credit dispute, but I wasnt able to access it. I got the account up to date as soon as it went on my report. They will not take the delinquency off my report even though it was a mistake by XXXX of their employees. I should not suffer for this banks employees mistakes

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 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Someone went to Mariner Finance and used my information to obtain a loan which caused a hard inquire to appear on my credit report and I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Westlake Services, LLC
State: IL

Complaint narrative:
some one applied for cerdit in my name without my approval

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I attempted to do an XXXX XXXX cycle with a XXXX  clinic, XXXX, back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX. I simultaneously had my primary XXXX  perform an XXXX for which I have the medical records stating that there wasnt any follicles most likely but possibly there was one and that I was XXXX. In the end I never got the service that I paid {$8000.00} for and lost in additional {$4000.00} or so on the medication. This XXXX XXXX could not even supply me with medical records that this was attempted or anything which is another violation of medical law. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/2023 and the bank is refusing to acknowledge that and take the money back. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so.

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 2024-01-04 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: DE

Complaint narrative:
To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Experian and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. 

The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 


Thank you in advance. 




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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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I was shock to see this inquiries on my credit report I never gave anyone permisson to use my credit to open any accounts please remove this of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Request for Removal of Inaccurate Address Information Dear XXXX, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief