vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: UT

Complaint narrative:
The credit bureaus are breaking the law and I want them to remove the items I disputed XX/XX/2021 its been over a month

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 2021-03-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
The credit bureaus are breaking the law and I want them to remove the items I disputed XX/XX/2021 its been over a month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: UT

Complaint narrative:
For months I have been disputing items and the credit bureaus are lying about items on my report without proof.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MI

Complaint narrative:
I have been denied 5 online purchases over the past 3 days ( XX/XX/2021 to XX/XX/2021 ) even though funds are available in my direct express debit card account. Calling customer service has not resolved the situation. They tell me I am not allowed to make but a certain number of purchases in a given time period. I rely on online purchases because I have no car and am retired and live in a remote area. I order mostly from XXXX because they deliver directly to my apartment. Makes no sense I can't use money in my account to buy things I need. Really don't understand why the goverment uses such a poor company to handle the funds of individuals on social security. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I started to invest through XXXX XXXX ( XXXX is the operating website of XXXX XXXX, a registered trading company at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX, Reg. No. XXXX ) since XX/XX/XXXX. I have invested for a total amount more than XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX uros ) in XXXX, XXXX XXXX, XXXX and XXXX. In the starting everything was going on smoothly. When I requested to withdraw some money problems started since XX/XX/XXXX. 

2. The team, with whom, I was in touch become suddenly silent. 

3. There is serious problem in their organization. I have been sending mails and chatting with their several officials and team members. So far my issues are not yet solved since XX/XX/XXXX and it seems they purposely not willing to. 

4. My requests of withdrawing are purposely stopped and they have simply suspended my account. 

5. I would request your services to look in the matter and help me to get back my dues. If need be, I can provide you the proofs of fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello I got fraud check from someone I did mistake to take a picture of check and back deposit but check bound not work so they cost me negative money I was like I did not touch the money so

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 2021-03-26 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NY

Complaint narrative:
I have sent numerous dispute requests on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and TransUnion regarding the reporting of fraudulent and incorrect information on my consumer credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion, XXXX, XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

TransUnion, XXXX, XXXX failure to positively verify these accounts { see page 2 }, have hurt my ability to obtain consumer credit. Under the FCRA, unverifiable accounts must be removed. 

I demand that the below accounts be removed immediately : The following account are not mine. Please remove from my TransUnion, XXXX, XXXX Consumer Credit Report. 


1. XXXX Account # XXXX Balance {$16000.00} Date Open : XX/XX/XXXX 2. XXXX XXXX Account # XXXX Balance {$12000.00} Date Open : XX/XX/XXXX 3. XXXX XXXX XXXX Account # XXXX Balance {$43000.00} Date Open : XX/XX/XXXX 4. XXXX XXXX XXXX Account # XXXX Balance {$24000.00} Date Open : XX/XX/XXXX 5. XXXX XXXX XXXX # XXXX Balance {$1800.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$11000.00} Date Open : XX/XX/XXXX 7. XXXX Account # XXXX Balance {$1600.00} Date Open : XX/XX/XXXX 8. XXXX Account # XXXX Balance {$8700.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$1900.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$0.00} Credit Limit {$1500.00} Date Open : XX/XX/XXXXXXXX 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 2021-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Online XXXX XXXX matured on XX/XX/2021. On XX/XX/2021 I called CAPITAL ONE at XXXX online banking and spoke with XXXX who said that he will close my XXXX XXXX account and send my check to my address on file. I called on XX/XX/2021 since my check did not arrive, and I was told to wait another week since the mail is slow. I called with my daughter on XX/XX/2021 and spoke with XXXX who said he will cancel the check which was never delivered to me and send out a new check. XXXX said to wait 7 days for the check to arrive. I called on XX/XX/2021 and spoke with XXXX who put me on hold for over 15 minutes without coming back to speak with me. I called again the 800 number and was transferred to XXXX, manager who said there was no record that a second check was sent. She said she will have the matter investigated and send out a check via XXXX in one business day to my home address. She said I may have to fill out an affidavit and it will be sent to my email ; however, Capital one has not sent anything to my email address on file. My check did not arrive in one business day as XXXX said it would. It is going on TWO ( 2 ) MONTHS since my XXXX account was closed and Capital One has NOT sent me my money back. Today is XX/XX/2021. I am in my XXXX 's, and I have medical bills to pay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
This company reported on my personal credit file and this is NOT mine. I called them and they advised me they can not give me any information. THEN WHY are they reporting it on my personal credit file. This is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have one negative account on my credit report from Experian and with evidence showing XXXX and XXXX have removed the negative account, Experian still hasn't removed it and by federal law, everything has to be accurate from all 3 Bureaus.

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 2021-03-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous dispute requests on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to XXXX, Equifax and XXXX  regarding the reporting of fraudulent and incorrect information on my consumer credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX, Equifax, XXXX failure to positively verify these accounts { see page 2 XXXX, have hurt my ability to obtain consumer credit. Under the FCRA, unverifiable accounts must be removed. 

I demand that the below accounts be removed immediately : The following account are not mine. Please remove from my XXXX, Equifax, XXXX Consumer Credit Report. 


XXXX. XXXX Account # XXXX XXXX {$16000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$12000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$43000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$24000.00} Date Open : XX/XX/XXXX XXXX. XXXX Bank Account # XXXX Balance {$1800.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$1600.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$8700.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX {$1900.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$0.00} Credit Limit {$1500.00} Date Open : XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
regarding account XXXX which you claim paid, was a charge off such as I owe {$68.00} or my account was charged off {$68.00}. 
ACCOUNT XXXX : This account is unknown to me. I have reached out to the furnisher and they are unable to validate this debt as mine

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 2021-03-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
yes i have contacted this company to have the wrong inforamtion they are reporting removed from my account and yet it is still showing well after the time frame that was allotted for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Key bridge collection services sent me letter stating balance I had no ideal I would be responsible for the amount of {$560.00} it was during the covid-19 out break and I had been terminated from my employer on XX/XX/2020 and I came up with no benefits until XX/XX/2020 for XXXX and paid the balance in full please remove this account from credit file it's not fair.

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 2021-03-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
yes i have contacted this company to have the wrong inforamtion they are reporting removed from my account and yet it is still showing well after the time frame that was allotted for them to do so.

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 2021-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Their job is to investigate the truth not challenge the citizen!!!!! Also they have the last 4 of my unique Social Security number, the name on the report and birth date DUH- are we that stupid? By opinion this delay and hoax must stop! Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute.

You may also log on to XXXX, or call us at XXXX XXXX XXXX XXXX for faster service. 

The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/uploa

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 2021-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I checked my account in regards to a purchase I made to get a refund. It was then I realized my checking account, my savings and my two credit cards were low in funds and they werent mine. I immediately called Bank of America and notified them that these transfers were fraudulent and I didnt give any one access to my account, the representative told me she would put the hold on the account but I needed to go to the nearest bank as soon as possible to open a new account. I did just that on XX/XX/2021. 
I have been calling since then In regards to my account and my funds being returned. This situation has made me mentally and emotionally sick right now I suffer from XXXX. I am always on edge and always checking my accounts I dont feel safe doing anything on line everything seems suspicious to me. 
I went as far as changing the phone and getting a brand new one just to be safe. 
Bank of America had made this scary for me and I am unable to pay my bills in total I have lost {$3000.00} And they refuse to help saying that it came from my account in regards to XXXX transfers. 
I just need to get my cash back close this account with Bank of America because I thought my savings were safe with this financial institution but it isnt! 
Bank of America is a high risk bank and they refuse to acknowledge that this is fraudulent! Ive worked to hard to lose this especially due to the fact it wasnt my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been subjected to harassment, unwarranted and unsubstantiated incorrect credit reporting, which has resulted in Credit damage. I have all of the documentation of the bank admitting fault, as well as you and recorded a phone conversation stating my account is in good standing on XX/XX/XXXX. The phone call to them, was in response to their non-action on fixing the original issue, they acknowledged. 
I have records of all my payments. I filed a report with you, you intervened, opened a case and got a statement from the bank admitting they were at fault. I had unapplied funds, that were not intentionally unapplied on my part, that disappeared after CFPB engagement. The case was closed. I contacted you again to reopen the case, as the problem was not taken care of. I did not get response. This has been ongoing for about a year now. 
This case was reported to you on XX/XX/XXXX ( Case # XXXX XXXX. 
I just received my XX/XX/XXXX statement, which is indicating they have not received a mortgage payment, from me since XX/XX/XXXX, even though XXXX 's statement does not indicate any past due payments. I have all of my receipts for payment, as I make the payments at a local branch. 
I also received a check from XXXX XXXX, for approximately {$2600.00} stating, heres a check to pay your past due payments, even though no one at Suntrust could confirm any past due payments. I have a recorded phone call with a Suntrust Rep, who I spoke with for approximately 25 minutes, trying to get to the bottom of this. My last paper statement, indicates I have a past due amount of {$6700.00}. I wanted to reach out to you one more time, to get this resolved, before I take legal actions against them.

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