vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 To Whom It May Concern, I would like this item immediately investigated and removed. This inaccuracy is highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of everyone with whom you have verified the above items, so that I may follow up. 

You indicated in your last letter which I included that you received this information from the XXXX XXXX XXXX Georgia Bankruptcy XXXX. I have included a letter from them stating they do not provide this information to the credit bureau. Please send me documentation where you have this information that also shows my social security number or remove this asap. This has already been removed from XXXX, XXXX, and XXXX. 

This belongs to someone with a similar name. 
XXXX  XXXX Bankruptcy Case Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : 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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company is reporting that the account is 60 days past due when it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2022 was a victim of fraud. Upon immediate transfer of funds, contacted PNC bank to withhold funds. We are talking within seconds of transaction. PNC said it was a temporary hold and had to wait until funds transaction took place. After more than 4 calls and 4 hours on the phone, PNC did nothing to assist with the prevention of funds or stop payment. 
Had to call back 2 more times, each time asking for proof of what information was used to handle dispute. 
XX/XX/XXXX, received letter from PNC stating : " Here 's what happened : You contacted us recently to request a copy of the documentation we relied on in making our decision regarding your disputed transaction ( s ). 

Any applicable documentation is included with this letter. Below is further information on evidence relied upon in decisioning your dispute : PNC Terms of Use for XXXX- You can access the PNC Terms of Use for XXXX form the XXXX Home Screen via your mobile app by Selecting Send Money with XXXX, tap Manage XXXX Settings, then tap XXXX Terms and Conditions. '' There is NOTHING attached or included otherwise to support their decision and I for one believe I have been scammed by this non-acting bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Once again, I never received any of the requested documents I requested previously, yet Equifax continue to report these violation accounts on my credit report. 

I recently requested the validity of Collection Bureau accounts thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX immediately deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate. I did not provide a signed contract nor signed HIPPA release giving Collection Bureau permission to discuss my medical with anyone. In accordance with the Fair Credit Reporting act Collection Bureau has also 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 an account without my written instructions. It is my understanding that Collection Bureau reports the same information to all credit bureaus as expected under FCRA, if this is true for about the 6th time I am requesting the information below and ALL the information that was provided to Equifax These are the accounts reporting on my report XXXX XXXX - {$37.00} - XXXX XXXX XXXX - {$39.00} XXXXXXXX XXXX XXXX - {$50.00} - XXXXXXXX XXXX XXXX - {$71.00} - XXXXXXXX XXXX XXXX - {$130.00} - XXXXXXXX XXXX XXXX - {$170.00} - XXXX 1. Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2. Provide a 1099c for each account since this account was originally charged off, 3. Provide the original signed contract with Collection Bureau for each account, 4. Provide HIPPA documents with my original signature for each account, 5. Provide collections license number, 6. Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida for each account, 7. Provide information referencing this account was either purchased or collecting on the original account holders behalf. 

XXXX and XXXX has deleted these accounts. Why does Equifax insist on reporting these accounts on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted XXXX XXXX  about account ( XXXX ) which states that I owe them {$6600.00} however the account is clearly fraudulent seeing how they had none of my correct information such as the correct address, my phone number or my email address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MD

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information and public records that I donot want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had XXXX vehicles financed through SunTrust Bank. A XXXX XXXX and XXXX XXXX XXXX. From day XXXX to date, I never missed a payment nor have I been late. XX/XX/2022 I made my XXXX Payments with XXXX separate payment coupons XXXX for the XXXX and XXXX for the XXXX XXXX. The cashier posted both payments on the XXXX truck and nothing on the XXXX XXXX but gave me receipts for both separate vehicles ( I do have ever receipt for every payment made on both vehicles ). SunTrust since sold their bank to Truist bank and I have since traded the XXXX XXXX. I have went back and forth with Truist Bank and the last offer they gave me was they could refund me the late fees and fix my credit but not my payment. In order for them to refund my payment I need to bring the title of the XXXX XXXX to them then at that time they would reverse an credit the payment back to the XXXX XXXX. I do not have that truck because I traded it for another truck in XX/XX/2022. I have always made my payments early and when I made my XX/XX/2022 payment on the XXXX of XXXX around dinner time I got an harassing phone call from Truist about a payment. I was so upset I said some harsh words and the next day I paid the loan off in full including their error payment and late fees. I need to recover my loss of money which is {$530.00} plus XXXX months of {$26.00} late fees and restore back my credit. 
Again I have all of my receipts that I can scan to upload as attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never applied with this company. This company took money from my checking account. And now Bank of America employees treat me with no respect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mother-in-law added me as an authorized user to her Kohls credit card account at least 25 years ago. She passed away on XX/XX/2022. Kohls has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with Kohls and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
It is XX/XX/XXXX, i get paid. My first XXXX on chime and its only {$200.00} because i wanted to see if chime was trustworthy so i set my XXXX to {$200.00}. I make a transfer to my savings, {$75.00} then i buy myself a water at XXXX since i live across XXXX XXXX from it. I lost my card at the same XXXX and XXXX hour and later i get charged {$57.00} by XXXX and i know i only spend {$2.00} or XXXX on the water so theres no way i should get charged {$57.00} right? I call chime customer service and explain this to them, they disregarded my complaint as an issue and i had to get connected to another customer service associate after being hung up on. This 2nd associate was able to provide me with help and started a dispute for me. I had submitted timestamps of where i was with the help of XXXX showing iwas indeed at XXXX at XXXX to make the transaction for the water but i was home during the {$54.00} transaction. Another reason i am making this complaint is because chime refuses to start my dispute for {$150.00} for a transfer to my CLOSED XXXX XXXX account that was not made by me. This is XX/XX/XXXX and im getting continuous emails at this point about new locations and devices where my account is being accessed so when i wake up to this my first instinct is to check my chime account,... i went from $ XXXX {$0.00} so my initial instinct of course is to change my password. Done. The very next day i had a fraudulent atm withdrawal for {$200.00} which left my account at {$1.00} after they had transferred {$180.00} out of my chimes savings account. This entire experience with Chime has left me wondering if ANY bank has security features AT ALL ... I used to be a satisfied customer up until all these fraudulent charges, although i am okay with them happening becausei i know my bank has my back i know that CHIME as a financial service WILL NOT have my back, side with me or help me get my money back. I filed a police report and i am writing this complaint as a final hope to reclaim my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: DC

Complaint narrative:
On XX/XX/XXXX, I made a payment on my student loan account at EdFinancial for {$500.00}. On that day, my account showed the correct balance I owe. However, on XX/XX/2022, I logged into my account and it showed the WRONG amount owed on my student loan balance. As of my last payment on XX/XX/2022, my balance owed should now show {$4700.00}. However, since XX/XX/2022, it shows that I owe {$10000.00} which is INCORRECT. 

I called EdFinancial on XX/XX/2022 about this, and they said there was a " glitch '' in their system and they also said my balance would be updated within XXXX - XXXX business days to reflect the correct amount I owe. 

On XX/XX/2022, I logged into my account on EdFinancial and saw that it still shows the incorrect balance owed. So I called their customer service department on the same day ( XXXX XXXX, XXXX ) and they said that they would escalate my request ( to update my account to reflect the correct balance I owe ) to their Finance department. They also said my account would be updated within 4 business days. They also said " for some reason '' my recent payments were " unapplied '' to my account ( even though the " Payment History '' has a correct tally of all the payments I've ever made ). They also said that I am not the only student loan borrower that is having this issue with them. 

In my view, something very suspicious is going on at EdFinancial. Why are they taking my payments, but not applying them to my account? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Valor Intelligent Processing, LLC
State: NY

Complaint narrative:
Valor Intelligent Processing llc is attempting to collect a debt from exempt funds they are trying to to get me to pay them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A company named XXXX XXXX XXXX who is located in XXXX charged my acct for a total of $ XXXX from XXXX XXXX XX/XX/XXXX in increments of XXXX XXXX {$300.00}. Showed proof of email that the company is acknowledging that the charges were unauthorized. They still denied the claim after the fact. I dont even think they did enough investigation to make an outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/2022 I was called by upstart loans for a late payment on my loan # XXXX I was told I would also owe an additional {$15.00} which at the time I authorized them to draft. The payment went through just fine and I proceeded with the rest of my day. 

Later on in the week I was called again by upstart stating I now owed the {$15.00} late fee. I explained to them that I had already authorized this payment and thought it was ridiculous that I was being told I owe this money again. They at the time told me that they would wave the fee and it would not be reported to the credit agencies. 

This was followed up by an email stating the same information. 

Today, XX/XX/XXXX I received an email again trying to collect on the {$15.00} fee. I spent over XXXX mins arguing with their phone reps to deal with this, and was told I had to pay the fee to avoid it being reported to my credit but the fee would be waved.

Company response to consumer: Closed with explanation