vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: NV

Complaint narrative:
I recently checked my credit report with Transition, XXXX, and XXXX. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. Transition, XXXX, and XXXX have not removed these inquiries. 
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.

Also, 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 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 2024-01-23 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: GA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
At the beginning of XX/XX/XXXX  We placed an order with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.A. 
for home school products - We paid for this order using our bank account. During this time we had decided to not homeschool our children and return the whole order. XXXX was suppose to provide shipping labels and failed to do so. One of their representative recommended we write return to sender on the boxes and take them to the XXXX store which is what we did. 
XXXX Refused to return our money so we filed a dispute with the bank. The bank had refunded our money and then within 30 days took the money back out of our account and sent it back to XXXX. Which i have provided proof via posted bank statements. 

Every time we have called into XXXX we are treated poorly like criminals and then we are reassured this will be taken care of however to this day XXXX still has not refunded our money AND they turned the account into collections via who also threatened to take us to court and also reassured us that this would be removed. 

SOUTHWEST RECOVERY SER Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX We have disputed this with the collections agency and provided the same proof to them and they are refusing to remove the collections from my account. No one at XXXX will help and no one at the collections agency will help and this appears to be a clear violation of the rules set by FCRA any help would be greatly appreciated as they have been falsely reporting and wrecking my credit for over 3 years.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been trying to get inaccurate things off of my credit report for a while now. I have informed XXXX, XXXX, and XXXX that I am a XXXX XXXX. I am a victim of identity theft and that there are numerous things on my credit report that do not belong to me, are inaccurately reporting, and it is keeping me from obtaining the things I need to get buy such as housing, a vehicle and other things. 
15 usc 1681 inaccurate reporting. 
XXXX is reporting that synchrony bank opened XXXX XXXX XXXX  was closed XXXX XXXX  as a charge off for {$5000.00}. 
XXXX is reporting that synchrony networks was opened XXXX XXXX XXXX  it says it is closed but does not give a date, it is charged off {$5000.00} XXXX is that synchrony networks was opened XX/XX/XXXX  closed as a charge off. XXXX written off. {$5000.00} credit limit XXXX highest balance. 
A charge off is considered a certificate of indebtedness. Which means it is income. Income should not be reported and must be removed. XXXX, XXXX, XXXX, and Synchrony networks are reporting inaccurately, unfairly and I have opted out therefore they are not respecting my wishes or the privacy of my personal information. Which is their duty according to The Fair Credit Reporting Act. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2024-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
FIRST FEDERAL CREDIT CONTROL Date opened XX/XX/2022 Balance {$1600.00} Status Collection account. {$1600.00} past due at this time i had medical insurance but somehow i got trap in them not processing this with my insurance which was XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX  I explained this to collections company and was threatened to be put in court or sued if not paid..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NV

Complaint narrative:
I recently checked my credit report with XXXX, Equifax, and XXXX. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. XXXX, Equifax, and XXXX have not removed these inquiries. 
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.

Also, 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
Consumer complaint received 2024-01-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently checked my credit report with XXXX, XXXX, and Experian. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. XXXX, XXXX, and Experian have not removed these inquiries. 
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.

Also, 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 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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Subject : Urgent Resolution Needed for Truist Account Issue Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention a pressing issue I have been facing with Truist Bank regarding my closed account, and I am seeking your assistance in resolving this matter promptly. 

Account Details : - Account Closed : XXXX XXXX XXXX  - Account Number : XXXX - Department : XXXX XXXX XXXX - Note left on XXXX XXXX XXXX   : " I can take {$100.00} out on this date ... '' Despite the closure of my account, I have encountered significant challenges in accessing the funds associated with it. I initiated a transaction from my business account at XXXX  XXXX XXXX to my Truist account via XXXX. Regrettably, Truist has stated that they are holding the funds under the pretext of verifying the transaction to ensure it is not fraudulent. 

The transaction in question, involving the movement of funds from my business account at XXXX  XXXX XXXX to my closed Truist account, has already been settled and remains unchallenged. The nature of the transaction was an internal transfer from myself to myself, with no external parties involved. Despite this, I find myself entangled in a prolonged verification process, and I am unable to access my funds. 

I have been patiently waiting for a resolution, but the delay has become untenable. I kindly request your intervention in expediting the resolution of this matter. I am eager to visit the branch and retrieve my funds immediately. 

I appreciate your attention to this matter and your assistance in facilitating a prompt resolution. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank opened 2 credits cards under my name without my consent. 

Card 1 was for XXXX XXXX and they informed me the account number associated with my name and address ends in XXXX. 

Card 2 was for XXXX XXXX and they informed me the account number associated with my name and address ends in XXXX. 

Both have shown up on my credit report. 

I've tried to dispute with XXXX, and they made no changes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
They first told me I could withdraw XXXX $ everyday. Then they told me I could only withdraw XXXX $ per week and my deposits were counted as a transaction limit. XXXX $ deposited, XXXX $ withdraw is XXXX $ of my XXXX $ limit. When I asked when I could send XXXX $ again, they started telling me my account was on a ROLLING TIME FRAME. Something about a 7 day waiting period. I've lost money not being able to have access to my money. XXXX dropped, I couldn't move it or sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am being sued - Creditor identified as XXXX - only received Hearing Notice from Court - PRA provided no Notice of Lawsuit or documentation relative to lawsuit - this info was requested at Hearing - Lawyer did not provide it - Lawyer insisted it is my responsibility to chase info down with Lawyers listed on Hearing Notice - Lawyer present was not Lawyer listed on Hearing Notice Prior to Hearing, Court Clerk directed me to speak with Lawyer in Settlement Room - this Lawyer hit me with a barrage of personal questions pressing me to sign a paper acknowledging debt that would clear debt without payment - I repeatedly requested Lawyer representation - this Lawyer insisted You do not need a lawyer- I refused to sign paper My legal rights are being violated by this predatory Collection Firm & its equally predatory Legal Representation who fail to provide appropriate Lawsuit Notice with Documentation to which I am legally entitled - further, Lawyer listed on Hearing Notice was not Lawyer present & denied my request for Legal Representation as well When attempting to text PRA about this alleged debt, 2 additional alleged debts were referenced of which I had no knowledge - upon calling to request info on these alleged debts, info provided by PRA indicates dates 25-30 yrs old identifying creditors as XXXX XXXXXXXX & XXXX- I questioned legality in MA as far as collecting on such outdated debt as well as citing 2017 Bankruptcy filing - representative read Disclaimer Statement in very rapid paced speech- I requested he repeat it slowly so I could clearly understand but even in rereading it pace was too fast - I requested Disclaimer Statement in writing ; however, I have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened up this savings account in a Wells Fargo branch on XX/XX/XXXX, for the {$520.00} bonus promotion. The banker inputted the bonus code at the time of account opening. The promotion I enrolled in stated that I had to deposit {$25000.00} within 30 days of account opening and that I had to maintain the {$25000.00} for 90 days from account opening. I deposited the {$25000.00} on XX/XX/XXXX and kept the balance until XX/XX/XXXX. The {$25000.00} was deposited within 30 days of account opening and the {$25000.00} was in the account over 90 days from account opening. I fulfilled the requirements of the bonus, and I should have received a {$520.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$520.00} bonus as the terms stated.

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 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Metallicus, Inc.
State: IL

Complaint narrative:
I was able to purchase XXXX  fairly easy but withdrawing it has been a nightmare! The withdraw had been pending for hours until I finally emailed them ( yes I had to email them first to even find out it was an issue ) and they asked me to answer XXXX questions. I answered them and they replied saying it will take up to XXXX for the account review team to review my response and process my withdraw!! 
This was time sensitive as I wanted to buy a token that had hit my desired entry and they ruined it! 
Why not ask these XXXX questions BEFORE you allowed me to purchase? They are holding my money hostage! I am concerned they will take my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 have reported identity fraud to all 3 credit reporting services. 
Transunion : 6 hard inquires *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making a complaint for a few reasons. The first is that Transunion is reporting things that are not mine. I have reported to them numerous times that someone has gotten ahold of my information and they are reporting inaccurately. I have also called in multiple times to all three bureaus to let them know that they are all reporting different information. 

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

It is my understanding per 15 usc 1681 it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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