vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I ordered a pet car seat from XXXX ( online ) order, in XXXX. I have never received the product. The total of my order was deducted from my checking account in the amount of {$45.00}. I filed a claim with Truist and their Fraud department. They denied my claim and said that I authorized the transaction, which I did, but never received the item. I asked them to review again, and it was denied again. I went in to a Truist branch today and was told that the fraud dept. had notes that said I received the product and wasn't satisfied- which is totally false. I never received it and am out {$45.00}. I was told that there is nothing they can do for me. I have NEVER had this trouble with Suntrust or experienced this with any bank I have done business with. Truist is sub par and I am closing my accounts and changing banks. I have never in my life been treated this horribly and felt so helpless with my bank, of all business, and will never do business with Truist again. I have over $ XXXX in my savings acct and can't understand why, I'm not good for {$45.00}. This is unbelievable and I certainly thought my money was insured with this bank. I have absolutely nothing positive to say about Truist Bank. They have lost a customer that has been with them almost the entire time that I have lived in XXXX, approximately XXXX  years.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, These are XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I received a text message from what appeared to be Chase bank asking if I had attempted to send someone money through XXXX. I said no and within seconds received a call immediately from someone claiming to be a Chase employee telling me someone was trying to take money out of my account and that I needed to send the money back to myself to stop the fraud. I told him I didnt feel comfortable doing that and he told me to check the phone number on the back of my debit card to confirm that was the number he was calling from and it in fact was Chase banks customer service number. I followed their instructions and just like that I lost all of the money from my checking account and from my XXXX XXXX XXXX sons  account. They seemed to know I had XXXX checking accounts linked to XXXX. After the transaction was done the line disconnected and I knew I was scammed. I immediately called Chase for help. Chase said because I authorized it by following the instructions they couldnt help me. I explained that the person was calling from Chase and pretended to be a Chase employee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : payments never late XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$48.00} Status Open FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Collection account. {$350.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. $ XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Dear, XXXX, XXXX, and Transunion. I am contacting you guys about my XXXX XXXX XXXX  on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times XX/XX/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Dear, Experian, XXXX, and XXXX. I am contacting you guys about my XXXX XXXX XXXX  on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times XX/XX/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Right now I am bothered! This is my Final and Last attempt to file a complain in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$7700.00} ; XXXX  XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX and XXXX all of which require both : background check and credit score. 

Transunion is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, 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:
Name of Account Account Number Provide Physical Verification XXXX No Late Payment XXXX XXXX - XXXX Unverified Account DEPT OF ED/XXXX  ( XXXX ) Unverified Account XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account XXXX XXXX  XXXX XXXX, GA XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Unverified Account XXXX XXXX XXXX XXXX, GA XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX, GA XXXX Unverified 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Right now I am bothered! This is my Final and Last attempt to file a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : 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 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Right now I am bothered! This is my Final and Last attempt to file a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX account # XXXX, has violated my rights.

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

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously

Company response to consumer: Closed with explanation