vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have has fraud on my account this entire year now that I look back over my online banking statements. 
In XXXX I received a fraudulent toll statement from the XXXX. I tried to contact them with no luck so I scanned the QR code that was on the receipt, at that time it opened up my apple wallet on my phone and all my cards and banking accounts were used in fraudulent transactions. 
The bank ( Truist ) refunded a portion of my money back after about 45 days of fighting with them and requesting updated information on the investigation and requesting a chargeback to my account which was denied. 
It has caused my credit score to drop tremendously because I have been unable to pay my bills. 
I am XXXX and the only income I have is my SSDI and I am raising XXXX grandchildren alone. 
In XX/XX/2023 I lost my husband to XXXX 5 months after being diagnosed. The money {$50000.00} I deposited in my account was to be able to buy a house through the XXXX  XXXX XXXX in XXXX because the rent here is too much for me to pay alone.My husband always took care of our household expenses. 
Now I am about to loose my apartment and everything I own because I am unable to pay my bills. 
In XXXX XXXX I received my SSDI check and my account was supposed to be locked to any withdrawals and or transactions. 
Yes I has an account with Truist Money Reserve that was in arrears like all my other bills because the fraud wiped out my 3 accounts. I had been in contact with Truist Money Reserve about my situation and made arrangements to make a {$200.00} payment on the 3 but they went into my account and withdrew all my money leaving {$350.00} in my account and now I am facing homelessness.

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 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On or about XXXX XX/XX/year>, I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX to purchase a previously owned XXXX XXXX. During the test drive, my family and I noticed that the Air Conditioning did not seem to work. Prior to purchasing the vehicle, we raised the AC issue and they said that they would fix it while I filled out the financing as it was likely a coolant issue. After I completed the financing through Bank of America, and put down XXXX dollars as a down payment, I was informed that I would not be able to take possession of the vehicle because they needed to work on the air conditioning issue and it would be another day before it was ready. After several weeks, the issue became a compressor issue that the dealership was unable to fix and the general manager said that we would need to void the contract. This occurred on approximately XXXX XXXX. At that time, I was told that the dealership would send a notice of cancellation to the bank, refund the payment to bank of america and that I would receive my down payment back in approximately XXXX hours. On XXXX XX/XX/year>, I still had not received my down payment and the loan was still showing active. I went back to the dealership and they said they had sent the notice of cancellation and the payment to Bank of America. On XXXX XXXX I finally received my down payment back. As of today, XXXX XXXX, the dealership has still not provided payment to Bank of America. After speaking with bank of america they have said there is nothing they can do until they receive the refund for the financing from the dealership. At this time, I have already had a payment due on the loan for a vehicle i've never been able to take possession of and for a contract which was voided almost a month ago. I am concerned that the actions of the dealership are going to affect my credit and that I will be paying interest on a loan for a vehicle I do not have and will never possess. I have tried to talk to the dealership multiple times to get this issue resolved and have spoken to bank of america on several occasions over the past XXXX weeks. I am now in a position where I am facing paying XXXX loans as my family had to purchase a different vehicle and am having to deal with adverse credit scores due to the dealerships unwillingness to pay back the loan following the cancellation of the contract.

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 2024-08-14 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX 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

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 2024-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXXXXXX 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

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 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year> I received multiple calls from capital one customer service number XXXX. When I answered XXXX XXXX introduced himself on a recorded line from the fraud dept. I had recently had fraud charges to XXXX and got a new debit card so I was open to the call. He was american, friendly, and reassuring. We reviewed my account information and he assured me he would help me set up a new account number to protect me from the multiple attempts on my account to transfer funds to an ip address.to do this I would need to have my funds held in XXXX so they could be deposited in my new account when the process was complete. By using the friends and family option those funds would be available to my new account instantly and not held for any length of time after. I had never used XXXX, XXXX was able to walk me screen by screen through the process and assured me no funds would post. We needed to send enough money to force XXXX  to send me an alert so we would accomplish 2 things with the temporary transaction. The alert, and hold my funds so he could create the new account. I was hesitant, but everything was so spot on and familiar due to my recent calls about fraud on my account. This entire call took about an hour. The transfer was initially set up for XXXX XXXX at XXXX, though when the contact for that account came back as XXXX XXXX, I was told we needed to use a different test account since this one was being access by another agent. We used XXXX XXXX at XXXX. I could hear the agent typing away off and on, all the while assuring me by telling me what was happening in my new account set up. None of this seemed off. XXXX is associated with my bank, I was assured that using it was standard due to the affiliation. After just over an hour the line disconnected. I called capital one back and provided the case number XXXX had given me. There was nothing on my account. I filed a claim at that point for the money I had " pended '' in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. The completed FTC Identity Theft Report. Copies of my identification documents. Any additional information requested by your office. Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 
It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TomoCredit Inc.
State: WA

Complaint narrative:
they pretty much told me in the end that they can not verify my membership even though my bank said that I did pay for it and the money was given to them so therefore I think they are being fraudulent toward me and I have evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
This evening, I discovered unauthorized inquiries on my credit report, and Im completely baffled as to how they got there. I check my credit report regularly, but this time there were discrepancies that just appeared out of the blue. I tried refreshing the page, thinking it might be a browser issue, but the unauthorized inquiries didnt disappear. Im really frustrated by this situation and urgently request that my documents be carefully reviewed so I can finally feel at ease.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX, and XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-08-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed unauthorized inquiries on my credit report this evening and am at a loss as to why theyre there. I regularly check my credit report, but this time there were discrepancies that seemed to come out of nowhere. I even refreshed the browser to see if it was a technical issue, but the unauthorized inquiries remained. Im deeply disappointed by this and ask that my documents be thoroughly reviewed to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance has been furnishing late payments on my credit report on a vehicle that I surrendered in XXXX. I spoke to credit acceptance about the issue back in XXXX and told them about the issue and told them I no longer have the car and the said the last location the car was known to be was the auto shop where I told them to retrieve the vehicle. I also have not been giving any notice that these late payments are going to be reported on my consumer report. these late payments have been ruining my consumer report and making it hard for me to establish credit and provide for my family and I.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-14 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: IL

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 XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX acct # XXXX,, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate. 






d

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 2024-08-14 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: IL

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 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX,, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate. 






d

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TX

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 : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$250.00} Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation