vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the Equifax data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AR

Complaint narrative:
the XXXX XXXX XXXX services has did an unlawful transfer with a third-party company called XXXX they loaded funds that had no consent, and they had no authority to do such transaction by their policy that clearly states no reloads. Hey then allowed fraud to happen and allowed thieves to take my funds while knowing that these transactions was fraud and without consent.in the amount over XXXX USA Dollars. Hey investigators are unregistered and untrained. Hey, denied all my claims requesting refund of all my money. Congressman XXXX XXXX has also reported that this company stole funds from XXXX. And they still ignored this. Title 1028 shows they are in fraud title 15 1681a shows they violated due process and the permissible purpose. And agreements with in the polices. Hey, shall repay all funds or sue shall be out come they must show how they was able to deal with a third-party XXXX and load funds while they policy state they can not reply back to XXXX in . 72 hours has been given because this company has violated the government and XXXX by fraud actions that they knew was abuse of laws and rights. XXXX is in violation of sending funds to this company without consent and power by policy. Both companies shall pay for every violation they have done they shall send a cash year check in the amount of XXXX Usa dollars in 10 ten days or claim for injuries will go up much higher than requested under the emergency act XXXX request the foreign agent register act of 1938 and anti-bribery act statements for public records or close the business done as computation practices, fraud. XXXX rights affidavit of fact vs theses violators

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-05 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: CO

Complaint narrative:
Booked a hotel reservation online for XXXX XXXX wanted to change room type so had to cancel in order to book e room type. Honestly did not see the non refundable cancellation policy. Completed my stay abd paid credit card but hotel merchant XXXX wants to charge me two separate cancellation fees ) XXXX each! This was not clear to me and I am disputing this charge! The XXXX XXXX in XXXX, XXXX and XXXX refunded me these amounts but USBank will not refund my card and remove charges! I have been back and forth since XX/XX/2023 with many calls, letters, emails and faxes. 

I am requesting your assistance in this matter to reverse the fees on my bank account with USBank and remove these charges. 

Thank you. 

Sincerely, 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 explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Home Depot Credit Card decreased my limit on my card card even though I maintain the entire balance and pay bill on time. They did it without warning me, they just sente an email stating they decreased my limit because of what they saw on my credit report.

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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have deposited two different checks using the mobile deposit app with Truist. On both occasions they have held the funds for 10 calendar days, despite my getting an email stating the funds would be released the next day. Tried escalating via customer service number, who directed me to the branch. Was told at the branch, they do not have any power to release funds earlier, despite being told otherwise when my call was escalated to a supervisor. These were both part of my monthly payroll.

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
They pushed me by advertising to apply for this credit and when I apply for it I get denied and my credit score want down XXXX XXXX by hard inquiry check to my credit score and now I can't dispute this check. And is going to effect in my credit score for long time. Plz I want to remove the inquiry check from my credit score history plz. And I don't know why I get denied..there is something weird in this bank the one I was talking about. He is ( bank of America )

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 2023-08-05 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: IL

Complaint narrative:
I've been trying to resolved this for month. Transunion is illegally reporting information. They are breaking at least 3 credit laws. I NOW have notarized my complaint. Please remove from my credit report.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: MD

Complaint narrative:
On XXXX, i received a credit monitoring alert that a collection was added to my XXXX credit file, William and Fudge. Upon review, I have no knowledge of this collection company and never received any type of debt validation letter, verifying debt or being given the opportunity to dispute or even the balance as well as the name of the creditor. As a result this has caused my credit score to decrease by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the XXXX data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.

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 2023-08-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the XXXX data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. 

Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: MD

Complaint narrative:
I am writing to dispute the following unauthorized hard credit inquiries on my credit report : XXXXXXXX XXXX XXXX  XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID * THIS COMPLAINT NEEDED INCLUDE MORE INFORMATION!!! THE XXXX XXXX VEHICLE ALSO WENT THROUGH A MAJOR ACCIDENT IN XXXX, XXXX. I SPENT BETWEEN $ XXXX {$7000.00} ON REPAIRS, ( INCLUDING STRAIGHTENING A BENT FRAME ), AND THERE WAS A LAW THAT STATES THAT LEASE COMPANIES CAN NOT SUE FOR THE FULL AMOUNT IF THERE'S A MAJOR ACCIDENT!!!! 
XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I bank with Bank of America, Im currently on a XXXX for the XXXX and soon will be coming home. Ive been out here since XX/XX/XXXX, and around sometime in XXXX on the XXXX to be exact my account was charged and someone had taken XXXX dollars out of my account. I opened up a investigation with the bank and they gave me my money back for the time being till the investigation was concluded, now about 2 days ago the bank is taking away my money again because their saying I had to give this person authorization to use my account which makes no sense. They tell me that this person had use my pin ( Im the only person who knows my pin ), and had to use my debit card ( which is impossible because my debit card has been deactivated before the month of XXXX. Now the bank is denying my claim and are uncertain that Ill get my money back, so basically the bank is stealing XXXX dollars away from me. I have proof that I have not been in the states since XXXX and am certain the only person who knows my pin is me which is why Im telling them someone is scamming me. Would really appreciate you guys help, thank you.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application.

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT.

ATTACHED YOU FIND A COPY OF MY STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: FL

Complaint narrative:
My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers. 

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under 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
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: The Savings Group, Inc.
State: CA

Complaint narrative:
Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application.

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT.

ATTACHED YOU FIND A COPY OF MY STATEMENT.

Company response to consumer: Closed with explanation