vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I visited my Truist branch on XXXX and closed out my checking account. About a week later I received a letter that the closed account had a balance of {$36.00}. 

This is the first problem which should not have occurred. Truist should have alerted me that the account would be in the red after I closed it. However, I decided not to pursue this problem and had someone drop off a check for the {$36.00} at the same branch to settle everything. This check was cashed on XXXX. 

About 2 months later I received a letter from Truist XXXXecovery Department which claims that I owe {$56.00} on my closed account. 

This is the second problem, and I find it even more upsetting than the first. There had been no communication from Truist informing me of another balance. The XXXX letter does not provide an explanation for this so-called charge-off account fee. 

I have sent an email to my Truist branch but have received no response. I have also called the Truist Recovery Department twice. Although this line says I would receive a call-back within XXXX hours, I have heard nothing.

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 2022-10-21 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: FL

Complaint narrative:
Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent.

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXXXXXX XXXX XXXX  Date : XXXX 2022 Amount : {$990.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report. 


Fraud Account Remove Immediately. 
Company Name : XXXX  Date : XXXX 2022 Amount : {$0.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The unverified account indicated below continue to report on my XXXX XXXX despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX WELLS FARGO CARD SER XXXX Open Date XX/XX/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 explanation
Consumer complaint received 2022-10-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX # 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 I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Equifax to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; DEPTEDXXXX XXXX XXXX : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} ; XXXX XXXXXXXX : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$15000.00} ; XXXXXXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXXXXXX XXXX Date of XXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX  XXXX A Date of XXXX ; XXXX Date XXXX XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$120.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX of XXXX ; XXXX Date of 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 2022-10-21 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: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; DEPTEDXXXX XXXX XXXX : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$15000.00} ; XXXXXXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXXXXXX XXXX  Date of XXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXX XXXX XXXX XXXX A Date of XXXX ; XXXX Date XXXX XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX XXXX XXXXXXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX Date of XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$120.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX of XXXX ; XXXX Date of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: LA

Complaint narrative:
Despite the multiple Dispute letters and CFPB Complains I have been submitting to the Credit Reporting agencies, the Credit Bureaus have been consistent with their negligence and have kept ignoring my requests. How many times do I have to tell the Credit Reporting agencies that I have been a vicitm of Identity theft and I never made the charges nor authorized anyone about these fraudulent accounts. My information has been exposed in the XXXX XXXX XXXX. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The Credit reporting agencies are required to remove the disputed accounts and information from my Credit File under the Fair Credit Reporting Act section 605b, however, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me copies of proof of verification. This is a clear violation of a consumer 's rights Under the Federal Regulation FCRA section 605b. I recently sent a letter to the Credit reporting agencies last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I am expecting that the Credit Bureaus will have the disputed accounts deleted from my Credit File within the time allowed by the Federal law. Once again, I am requesting the immediate removal of the following accounts completely from my Credit File : 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 2022-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
There are a number of issues with this company. 
1. I have contacted this company a number of times in an attempt to discuss this debt. Each time I call, I am told that I am being represented by a debt consolidation company. Each time over the last three years, I verify my information with the representative THEN we discuss that I am not nor have I ever given any debt consolidation company permission to represent me. Each time the representative states that they will add a note to my file and remove the FAKE cease and desist.

2. I have asked each time I have spoken to a representative to be mailed or emailed details of our correspondence. I HAVE NEVER received any mailings from this company. How can a company place an account on my credit report but not mail me any documentation regarding the account? The last representative told me it would take at most XXXX business days for me receive information in the mail. XXXX days later and I have not received any mailings. 
XXXX. This collection account is not associated with any other account on my credit report. Since accounts can not BE OPENED by a consumer with a collection agency then where is this account from? If the original creditor can not or is not reporting to my credit report because of invalid and unverifiable information then the COLLECTION account should be deleted as well. 
XXXX. If this company has a valid right to continue to report this account to my credit then WHY are they not required to send any mailings to the address they have on file? Why is this account not available on their online portal? IT just seems as thought they do not want to provide any written documentation but are allowed because they are a huge debt buyer to do whatever they like. 

Each time I file a complaint the CFPB allows the company to respond to my complaint WITHOUT valid information or evidence. What other recourse do I have as a consumer if the consumer financial protection bureau would hold company 's accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, While running my credit report I found a fraudulent card that I have never opened up or an account that I have never held. It says that the card was opened on XX/XX/2022 with a {$20000.00} limit and {$10000.00} was charged.I have never opened this account, and I do not have an account with USAA. I need to know how to get this fraudulent activity off of my credit report. I called the company USAA at ( XXXX ) XXXX and they said they would get back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB has purchased a debt from XXXX XXXX that has reached the statute of limitations. The balance of this debt is incorrect. Last payment day is incorrect and this debt is also owned by another company. Ive contacted and attorney to start a legal process against NCB and the other company. This inaccurate debt needs to be removed from my credit report. Debt needs to be verified for accuracy and proven. Nobody has done that due to the inaccurate information. Its against the law to reage this debt and attempt to collect it with XXXX debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 U.S.C 1681. Accounts for XXXX XXXX, XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  acct. # XXXX ; XXXX XXXX  acct # XXXX ; dept of ed/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX ; XXXXXXXX XXXX XXXX  acct XXXX XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ; XXXX XXXX  college XXXX XXXX  # XXXX ; XXXX acct # XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account with out written instructions. 15 U.S.C 1681 C. ( a ) ( 5 ) section states no consumer reporting may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 16815-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2022-10-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
After the complaint against Barclay for them messing up my account, they lowered the limit on my card as retaliation. NO other card has done this. I was also supposed to receive a letter stating that my credit and so forth would not be impacted by this mess they created. None of that happened and even after an email, the office of the president didn't respond.

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