vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Every check I deposit they hold for longer than 10days. When I ask why I dont get an answer. System says that the checks I deposit are at risk of being returned..this is not the case. I have a business with reliable and credit worthy clients. Truist bank is using that excuse to hold my funds. Its a business account and I cant run a business if they continue to hold my funds for long periods of time. It needs to stop. I want my funds deposited and made available to me the next day like everyone else.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. As a first-generation American born to immigrant parents who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX names, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. In addition to correcting the inaccurate information, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Specifically, I request that you provide the following : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

A detailed account of how the amount being reported was calculated, including any fees, interest, or other charges.

Proof that you have the legal right to collect on this debt, including documentation that shows your ownership or authorization to collect this debt.

I believe these fraudulent activities are a direct result of the Equifax data breach which led to XXXX, XXXX, and Equifax having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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:
Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. As a first-generation American born to immigrant parents who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX names, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. In addition to correcting the inaccurate information, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Specifically, I request that you provide the following : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

A detailed account of how the amount being reported was calculated, including any fees, interest, or other charges.

Proof that you have the legal right to collect on this debt, including documentation that shows your ownership or authorization to collect this debt. 
I believe these fraudulent activities are a direct result of the XXXX data breach which led to XXXX, Experian, and XXXX having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.

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 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I noticed an unauthorized charges on my Wells Fargo bank checking account, {$3100.00}, {$590.00} total is {$3700.00} and I call Wells Fargo bank and let them know someone stealing my money from my checking account and filed a claim and I'm been waiting so long that my claim is deny and they tell me i have to calling to the fault company and solve out this problem by my self. I don't know nothing about his fault company how can i calling them my self and talking to them to solve out my problem by my self? and Well Fargos bank didn't provide me they phone number either. And Wells Fargo make me to pay this fault company without my unauthorized. So please help me I'm so stress and frustrating don't know what to do.

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 2024-08-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: VeriScreen Inc.
State: SC

Complaint narrative:
The wrong information is displayed on the background report and I was given this webpage to notify errors

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MI

Complaint narrative:
Fidelity Credit Card - issuer : Elan Financial Services I rarely use this credit card, so the monthly statement usually has only 1 -2 transactions. I used the card to pay for tuition in XXXX and then paid the card in full ( {$2100.00} ) on XX/XX/year>. 

In early XXXX I dropped a class and received a refund of {$1500.00}. This credit balance of XXXX was shown on my electronic statement. 

On XX/XX/XXXX, I called credit card customer service to see if I can get the amount ( {$1500.00} ) refund back to me. The agent said yes and it will take 2-3 days to show up in my bank account. 

On XX/XX/XXXX, I called back telling the customer service agent I did not receive a refund to my bank account. He told me the previous agent made an mistake and that refund need to be sent in a paper check. He said I will receive the check the follow week. 

On XX/XX/XXXX, I called again telling a different customer service agent I did not received a paper check. He told me the previous agent had made a mistake and it will take 15 days to receive a paper check. Something went wrong in their system and I have to wait another 15 days. 

On XX/XX/XXXX, I received a letter stating my XX/XX/XXXX request was cancelled but did not explain why. I called the customer service again. This time a supervisor was on the phone. She said she need to do some research on the issue and I need to wait for another 15 days. It's been over a month and my refund request is going nowhere.

At this point I asked to cancel my credit card as the customer service is unreliable. Every time I called, they blame the mistake to the previous agents and asked me to wait another 15 days. I don't have confident that I will ever see the refund. So please help!

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 2024-08-17 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: DE

Complaint narrative:
I am a victim of XXXX XXXX 

I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS

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 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Information on credit report that I did not authorize. According to 15 USC 1681 5 law states they are suppose to do this 5 day treatment of inaccurate or unverifiable information.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Urgent Request for Removal of Fraudulent Accounts Dear TransUnion Team, I am writing to dispute the following accounts on my credit report, which I believe were opened fraudulently. These accounts were not authorized by me, and I did not consent to any transactions or applications related to them.

**Fraudulent Accounts : ** 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 To support my claim, I have attached the following documents : - **Federal Trade Commission ( FTC ) Identity Theft Report** - **IC3 ( Internet Crime Complaint Center ) Referral Form** Given the serious nature of this situation, I kindly request that these fraudulent accounts be removed from my credit report immediately. Please also ensure that any negative information related to these accounts is removed, and I am provided with an updated credit report reflecting these changes.

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt investigation into this matter. I request a written confirmation of the removal of these accounts and any other steps taken to rectify this issue.

Please contact me at the above address or by phone if you require any additional information. I appreciate your urgent attention to this matter.

Thank you for your prompt action. 

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
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
WOW is an internet/cable company. We used their service but never signed any agreement. This was a month to month service for which we used OUR OWN EQUIPMENT. We NEVER gave our social security numbers to anyone in this company nor did we ever authorized this company to access our social security numbers. We changed to a different provider and after switching to the new provider WOW has reported fraudulent collection accounts to the credit agencies. This has caused a negative impact on the credit score. This company illegally breached our privacy by somehow accessing the social security number as well as falsely reporting debt that is now owed. I demand that they immediately remove these false and negative reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, TransUnion, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts and hard inquiries that were opened and made without my authorization. Specifically : XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX , account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX, XXXX, and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
These fraudulent accounts have resulted in several unauthorized hard inquiries appearing on my consumer credit report, including but not limited to : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts, collections, and hard inquiries are the result of identity theft and fraud. I do not recognize the aforementioned items on my consumer credit report maintained by XXXX, TransUnion, and XXXX. All of the aforementioned items were not opened, made, or initiated by me. 

I have attached a copy of my FTC Identity Theft Criminal Complaint ( case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I RECiEVED LETTER FR TRANUNION stated there unable to complete disputes already been. disputes on my accounts l have already provided drivers license ssn .Which is never updated found anywhere. TransUnion l has had disputes lasted over 120 days .some now 1year uses CFBP consumer complaints account .whom also have noticed transunion never responding to my complaint 's. I provided CFBP. Also noticed TransUnion .Closed compliant lwithout. provide Reasons? Now Iim not retrieving Any credit scores XXXX XXXX l have provided sufficient documentation for these accounts. End-removing also no changes founded on credit reports. Noticed these companies is getting away without following fair reporting act. TRAINS-UNION CREDITS IM Constantly having problems with TransUnion numberiuns denial fro different companies. Also others consumers like myself haven Problems with TransUnion credit reporting. people like myself thinking it was a stunt being done by government to keep people from ppl. applying for any lines credit. TransUnion makers. Changes on credit report Without proper warning.Notice when my accounts showing paid off on time payments. XXXX refused to make positive positive. changes found creported to. Increase. File .files. XXXX XXXX.inform me RECENTLY XXXX balance. Now Found on my credit report ..My attorney advised me.in these systems credit reports reported XXXX dropped now reported XXXX. For No apparently reason .when l tried called speaks to. TransUnion Customer service representative notice rep wasn't speaking clear nor couldn't understand clear English. Spoken. Whom states notice was high inquiry then changes said my inquiries been that high.? then she stated was new computer system.? representative gave up. Whom didn't no any reason for credit scores to decrease over XXXX points?. CFBP can not give advice but did provide me all records complaints TRANS closed cases

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed two unauthorized transactions for the amount of {$16.00} each from XXXX that I did not make and asked Bank of America to remove them from my credit card account due to fraud. I received the new card in the mail but I noticed that the unauthorized transactions were not removed by 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 monetary relief