vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My maternity leave began, and I was approved for benefits through the state of california. 
I was told to contact Bank Of America EDD card holder services, to inquire about the card I was to be recieving benefits on. 

When I began contact with BOA, I provided all of my natural born and true information, and was told I could not be verified and I needed to head into my local branch to provide forms of identification in order to gain access to my account. 

When gaining access to my account I was informed all the information was changed to information that did not belong to me, benefits were being recieved and spent on my behalf. 

I went through the process of filing a claim, it was filed in 2 different parts one for XXXX dollars and one for XXXX. 

After initially denying both claims, they approved the XXXX dollar claim but have yet to approve the XXXX claim. I have filed several grievences, complaints, and spent hours on the phone being reasssured that the claim would be properly investigated only to call the next day to find out they denied it without any further investigation. 

I have provided my ID as well as a copy of an Identity Theft Report in regards to these claims as well as multiple accounts opened in my name. 

I am being refused any coperation from the bank, when there is substantial evidence supporting my claim.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I maintain a Truist bank account ( truist.com ) with a balance of USD XXXX. Unfortunately, the bank has restricted my ability to withdraw or transfer funds. Upon contacting the bank, I was informed that my account is considered dormant due to a lack of overall transactions. However, it's worth noting that there are monthly transactions from my app store accounts, specifically from the XXXX XXXX and XXXX XXXX, where my app sales revenue is deposited into my Truist bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$480.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a 1099 would you be so kind to send me a 1099 or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: CA

Complaint narrative:
I just recently looked at my credit report and noticed some hard inquiries that have no permissible purpose to be on my report. I also have attached the evidence. Delete these inquiries due to violation 15 USC 1681b 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
A notice of cease and desist, as well as certified proof of contract was sent to Receivables Outsourcing , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: WA

Complaint narrative:
These accounts were not initiated by me, and I believe they are fraudulent.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2024-03-01 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: WA

Complaint narrative:
These accounts were not initiated by me, and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: IL

Complaint narrative:
Hello, I was using the service of teeth aligners from the company XXXX. Out of nowhere, they stopped answering emails in XX/XX/2023 and if you looked them up online you could see all over the news they declared Bankruptcy in XX/XX/2023 but would still require the monthly payments from their clients ( even if you never got to finish the treatment which is my case ). 

A separate company called healthcare finance direct has been collecting the monthly payments and threatens to send you to collections if you do not pay. I was making my monthly payments until I disputed the payments of XXXX and XXXX with my bank. I received a letter from the bank saying the dispute was closed but the healthcare finance direct company called me saying I still owed those months too, if not paid I would be sent to collections. 

I have stopped receiving my aligners for more than 5 months now and am still expected to pay my full debt. 

I have already tried to complain with healthcare finance direct but they have told me they can not do anything until XXXX releases information on what they will do with clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Have had many issues with XXXX and USAA investigation into concerns. It seems retaliatory in nature as ever since Ive raised concerns with CFPB, USAAs imposing stricter timelines and actions on me. 

Was just notified electronically that a credit reversal will take place on XXXX thats literally only 5 business days. It takes longer to receive the credit and Im not confident in the investigation.

In any case, 5 business days is not sufficient to plan {$760.00} debit in todays economy. Whats with the inconsistency in timeline for credit reversals. 

I plan to seek outside assistance as Im confident that not all credits are reversed with 5 days notice- in fact I can prove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: AES/PHEAA
State: TX

Complaint narrative:
I applied for forbearance extention as well as income based pay and 0 flexibility nor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-03-01 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
My records indicate that I paid in excess of 120 payments towards my student loans. I qualified for forgiveness under the PSLF program. FSA Aid website indicates that my loans were paid off as of XX/XX/XXXX. I continued to pay until the covid relief started. From my understanding of the rules, I am entitled to a refund for all payments in excess of XXXX. Which means I would be due a refund for payments made from XX/XX/XXXX through covid relief in XX/XX/XXXX ( XXXX payments ). Mohela states I am not due a refund. They can not give me an explanation of why/why not. They state FSA makes that decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX through phone conversation agreed to 1 bottle of pills. 
XXXX XXXX XXXX received 5 bottles of Hemp Gummies! which I immediately disputed at Comenity bank 's website, a {$190.00} charge and contacted the company by their requested email. Heard nothing back, so I mailed back the pills. 
XXXX XXXX Received postal proof that the company received it. They then contacted me and said without an RMD number, they couldn't give me a refund and had to destroy the unopened bottles of pills. 
XX/XX/XXXX, XXXX Comenity sent letter stating my case was under investigation, asking for any new information. I re-sent the entire packet of information, including the latest above. 
XXXX XXXX received letter stating that they are currently researching my claim. ( I assume here that they used my last letter giving more information as a new claim ). 
XXXX something- I find out that Comenity has not been taking out my auto payments as agreed from the start of my credit card payments. I called and made a phone payment of the entire balance they told me I owed. 
XXXX XXXX Told me I owed {$51.00} in finance charge. I paid this under duress due to harassment, and closed my card. 
XXXX sent letter to Comenity asking for the return of my {$51.00} finance charge as it was their fault for stopping agreed XXXXupon auto payments. 
XXXX received letter stating this claim was being researched. 
XXXX received phone call stating I owed {$42.00} in interest. 
XXXX Checked XXXX and found my credit rating had gone down over XXXX points due to this! 
XXXX Called Comenity and asked to speak to supervisor. I did, and was told the matter would be cleared up and within 48 hours, I would have a XXXX balance. 
I have received no proof of this, and no way to find out until I get the next phone call asking for more money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$710.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a 1099 would you be so kind to send me a 1099 or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Kindly update my account this causing me a lot of XXXX  and 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 2024-03-01 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: FL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-01 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: FL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is an old debt that keeps reappearing on my credit report I have disputed it before it is beyond the statute of limitations for the state of Michigan and should not be on my 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 2024-03-01 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: GA

Complaint narrative:
I've recently checked my consumer reports and noticed that is serverval credit cards that I have NOT APPLIED FOR. THE CARDS GO AS FOLLOWED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked for an " INVESTIGATION " with proof of a proper " INVESTIGATION " " IF '' these accounts are accurate as you state please provide All persons contacted and interviewed involving this investigation If you IF YOU CANT NOT PROVIDE ME WITH PROOF OF PERSONS YOU INTERVIEWED ACCORDING TO THE FCRA LAW I DEMAND ALL ACCOUNTS DELETED! PLEASE PROVIDE ALL OF THE INVESTIGATION PROCESS OF YOUR ACUTAL FINDING REGARDING ACCOUNTS VERIFIED!

15 USC1681 A subsection 3 RULES OF CONSTRUCTION ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2024-03-01 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: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: AZ

Complaint narrative:
I have been dealing with evil hackers. Who has forced me to close 7 accounts? I opened this account with XXXX  about a week or so ago. Called into social security for my check to be deposited. On Wednesday the XXXX at XXXX  it was deposited. I got up and looked in my account and the hackers had already taken {$700.00} I started investigating where these people got into it. I tried closing things but it wouldn't let me. So I closed my debit card ordered a new one. Thought that would stop it but no on Thursday they did the same thing and Friday today. I have {$66.00} in my account. So I called XXXX  and reported a dispute I also told them I was reporting it to social security and with you.

Company response to consumer: Closed with explanation