vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I've already spoken to Equifax as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. Here 's the list of the unauthorized inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery has reported a deogatory account to my credit report that has also been reported by XXXX XXXX. I have asked both agencies for proof of debt and neither could provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 I deposited a {$12000.00} check from my personal bank account at XXXX XXXXXXXX XXXX into my personal bank account at Truist bank. I was given immediate credit for {$5500.00} and Truist Bank put a hold on my account until XX/XX/2022. 
The {$12000.00} check cleared XXXX XXXX  XXXX on XX/XX/2022. 

Truist has still not credited the {$6400.00} balance to my account, Please stop Truist from holding funds when they already have the money. 

Truist banking employees claim they can't override the Computer AI.

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 2022-09-08 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: FL

Complaint narrative:
CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/2022 while checking my email, I found a notice from Pay Pal. It related that I had made a purchase thru PayPal. I knew that I had not done so. I have called PayPal and spoke with a agent by the name of XXXX XXXX.I reported the problem to him and he then checked what had occurred. He informed me that a account had been opened using my name, social security number. The account is with XXXXXXXX XXXX XXXX with a {$10000.00} credit available.The card had been used to make a {$1800.00} purchase. I again informed him that I had not done this.The reference # is XXXX and the phone number is XXXX for PayPal. The agent told me that he was transferring me to the Senior Security Manager, by the name of XXXX XXXX. Upon speaking with her, she said that her ID # is XXXX. She then said that I needed to go to a XXXX XXXX and obtain a PayPal blocking card. Then she asked me if my bank debit card ended in XXXX, I said yes. Then I asked her how she got my debt card Bank and my debit card numbers. She would not relate to how. I then became suspicious and I hung up my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit 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 explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have never in my life encountered a bank with such horrendous and unprofessional staff in my entire life. These people already screwed up my entire credit for the first 8 months this year because the person trying to sell me the loan was too busy running their mouth and didn't bother to even key in my auto-draft. 

NOW when I've tried to pay this loan off in full as soon as possible and have nothing to do with this deceitful and underhanded bank ever again for any reason, I find even more completely deceitful and predatory practices bordering on very illegal activity. 

I'm making ADDITIONAL payments each month now on top on my normal payments, I've been told multiple times by Truist loan officers that there would be NO PENALTY FOR THIS and there's no line anywhere in my contract that says I would be penalized BUT Truist just decides to steal {$41.00} from my PRINCIPAL ONLY payment that I make like this is somehow legal. It's not and they have their website set up to specifically be deceitful to consumers as you can see from the screenshots I took. 

What consumer anywhere would think, when choosing to MAKE AN ADDITIONAL PAYMENT TO " PRINCIPAL ONLY '' that someone's going to just take out nearly {$50.00}? 
THAT IS BY DEFINITION NOT " PRINCIPAL ONLY '' I've called the XXXX and XXXX  banks several times and either gotten a XXXX lady that sounded like she was too impatient or it was just too much to help a client. She transferred me to I'm assuming a branch manager male who just continually gave me nothing but sarcastic remarks. I will never ever bank with Truist again after this loan 's paid off and I have every mind to call my family attorney and file suit against you people. 

This is illegal, it's purposely deceitful to consumers, and it's absolutely predatory. I could have easily paid for this cash but chose instead to finance this purchase and because I chose Truist, I've gotten flat-out robbed, had my credit ruined for the better part of year. Yeah I'm done " asking '' for things to get fixed. I'm going to sue this bank if they don't refund my money. 

I'm sick and tired of all these people at this bank advertising like they give a XXXX about their customers in commercials and then doing everything possible to XXXX them and XXXX up their credit and financial futures so I'd like the CFPB to please publish this publicly so any and everyone can read this non-solicited experience that I've had and know to never trust Truist Banks with any of your financial decisions. Go literally anywhere to the smallest small-town bank or the biggest big-city bank, there is no possible way that those strangers will XXXX up your money as badly as Truist. 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 explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX this is not my account I never live at this address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. I filed a report to Sallie Mae through CFPB that I do not have a balance with them! Sallie Mae then reported the loan was taken out with the XXXX XXXX. Thus, I contacted the university, and confirmed I did not out a private student loan during the one year I attended the university. I attached my financial aid award letter to confirm this information below. Sallie Mae is now informing me that I will have a derogatory mark on my credit report for not paying on the loan on XX/XX/XXXX. However, I am submitting additional evidence that I did not take out a loan with Sallie Mae at XXXX XXXX. Sallie Mae is required under the Military Lending Act ( MLA ) and Servicemember Civil Relief Act ( SCRA ) to remove falsification from my credit report concerning ALL credit bureaus. Furthermore, a creditor can not require a covered borrower to submit to arbitration or other onerous legal notice provisions in the case of a dispute. The statutory amendments to the MLA in XXXX granted enforcement authority for the MLAs requirements to the agencies specified in section 108 of TILA. These agencies include the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau ( CFPB ), the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Federal Trade Commission. State regulators also supervise state- chartered institutions for MLA requirements pursuant to authority granted by state law. Implement statutory changes, including provisions related to administrative enforcement and civil liability for MLA violations ( for knowingly violating the MLA, there is potential for criminal penalties ). I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, MLA, and SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
All of the major credit reporting agencies give me an excellent credit score well above 800. Yet, ChexSystems has reported my score as XXXX. This score has slandered me, characterizing me as a credit risk, and causing banks to deny my application for accounts. 

I spoke with representatives of ChexSystems and they indicated that the two reasons for their scoring was as follows : 1. The recent number of new accounts that I have applied for ; and 2. The fact that some banks making an inquiry had no prior history with me. 

Dealing with the second reason first, it should be noted that all of the banks that made an inquiry were banks that applied as a new customer for my initial account. Of course those banks have no history with me, that's why I am a " new '' customer. I explained that to a ChexSystems representative and he acknowledged that it would be silly to damage my credit rating because a bank inquires about a new customer that it has no prior relationship with. 

As mentioned, ChexSystems also downgraded my credit score because I recently applied for a few new accounts. In todays financial environment, that is a serious problem with widespread consequences. I, like many other people, am struggling to keep up with rising costs and expenses. The simplest way to alleviate the effects of inflation is to invest any available funds at the highest interest available. Interest rates are rising quickly and banks are competing for customers. That gives consumers like myself the opportunity to open new accounts, establish new banking relationships, and take advantage of higher interest rates. 

And that is exactly what I did. I opened several new accounts to take advantage of the higher interest rates being offered. I explained this to ChexSystems. I told them that my score with the other credit agencies like XXXX was well above XXXX. I have no debt. All my credit cards are current. I never bounced a check. I never closed a bank account with a debit balance. ChexSystems replied that the number of new accounts, when plugged into their credit scoring algorithm, gave rise to a score of XXXX. That score connotes that I am a credit risk and is slanderous to my credit profile. 

I want ChexSystems to change their scoring so as to accurately reflect my credit profile.

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 2022-09-08 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: CA

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I rented a car from XXXX based on a quote of {$1000.00}. However, I was charged {$1300.00}. I was overcharged by {$290.00}. Capital One is refusing to help me get the charge reduced by {$290.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a credit card with Bank of America in XXXX and I had a XXXX balance prior to getting incarcerated in XX/XX/XXXX. 
There was charges made to my card on or around XX/XX/XXXX that wasn't me or authorized by me because of my incarceration and I was release XX/XX/XXXX so It couldn't have been me.

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 2022-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding the accounts with ( XXXX XXXX ). The inconsistencies in these accounts are the account numbers, balances owed, the dates the loans were opened, last reported dates & date of last payments. These accounts appear to be furnished by the same creditor so why are all the provided datas different? It is the credit bureaus duty to ensure that all provided information reported are consistent and most importantly accurate. Please DELETE all 13 accounts with XXXX XXXX, please refer to 15 U.S.C. Sec. 1681i, 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ), .I have attached pages where I have highlighted all the inconsistencies, please have XXXX XXXX completely DELETED & NOT updated. Additionally the 13 accounts with XXXX XXXX do not appear on XXXX which is also inconsistent. Thank you for taking your time for this matter at hand. I really appreciate and thanks all the team members of Experian for taking this matter into serious consideration. Thank you & have a Blessed Day.

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX Chase - XXXX XX/XX/2023 there were 2 charges from " XXXX XXXX '' for {$74.00} and {$69.00} on the same date and time, from a location in XXXX, XXXX. They are fraud because I did buy or receive from a place with that name for that amount. I tried to get more details from the credit card company but they did not want to give me any details and just denied it. They would not give the merchant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: DC

Complaint narrative:
My former landlord The XXXX at XXXX XXXX, MD reported an outstanding balance to a debt collector agency called Hunter Warfield. The landlord has not contacted me for the payment before. But the amount is correct and I am happy to make the payment. 
But their collection agency sent me a mail a month ago. They said they will contact for instructions on payment via check. But instead of sending me the instructions, they have been harassing me on the phone. I never received any instructions by mail. One person who called me from the agency forced me to provide my credit card details on the phone. And he threatened me for not paying by credit card. I told him many times that I am happy to pay via check. He refused and hang up on me. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: AZ

Complaint narrative:
I received a response to my original complaint against EastWest bank. I contacted XXXX XXXX XXXX at the email he provided me. I emailed the fraudulent wire transfer transaction XXXX XXXX/EastWest couldn't find. I did NOT receive any communication back from XXXX XXXX. 

I finally have a point of contact with XXXX executive office/wire transfer fraud department . They issued a recall of this wire transfer on XX/XX/2022 no response from East/West Bank XXXX XXXX executive office XXXX XXXX The fraudulent wire transfers were made minutes apart from the same routing number at EastWest bank XXXX XXXX I did receive one of the recalled wire transfers back. To date still have NOT received the {$19000.00} made by a XXXX XXXX I am attaching email and the wire transfer transaction detailed information... again. 

I am obviously doing this whole investigation mostly alone, as both involved banks have yet to be able to resolve. 
Have either of these wire transfer frauds/parties been employed by EastWest bank ? ? At this point I have lost faith that either bank and their so called " fraud protection '' of their consumers is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: ACIMA CREDIT, LLC
State: WA

Complaint narrative:
I registered for a class in New York with an XXXX. ( XXXX XXXX by XXXX XXXX I took out the loan to pay for the classes. The XXXX ( XXXX XXXX said that there would be training, a certification after completion, as well as equipment to start my own business. I didnt not receive any of this. Ive called and explain this to Acima and they informed me that the loan was for a pair of glasses. I dont wear glasses nor would I pay close to {$3000.00} for a pair of glasses. I told them that was a mistake and the company that they are providing a loan for must be fraudulent. I dont have specific dates on when I registered for the classes it was during the pandemic but Im sure Acima has that information as well as the date that I called in about this company. I didnt take the classes or receive certificate or equipment.

Company response to consumer: Closed with non-monetary relief