vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
*due to fraud on my credit card account in XXXX, a new credit card was issued *once I reported the fraud, online access to the account was shut down with no way to retrieve prior electronic statements ; only transactions on the new credit card are available online *through truist.com customer service IM chat on XX/XX/XXXX, I requested the entire year 's ( XXXX ) statements be sent to me for tax purposes *the customer service rep confirmed the statements would be sent *to date ( XXXX ), no statements have been received ( hard copy or electronic copy through truist.com ) *Truist has no way to allow credit card customers to access prior statements once fraud is reported and the associated card is shut down *and apparently even a direct request does not result in obtaining those statements *the CFPB should inquire as to why no statements are available to customers once fraud is reported as well as why there is no warning before access is turned off

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was shopping at XXXX  clothing store. I got a discount that day if I got the company credit card. 
After having this account for only XXXX months they kept charging my account late fees. After calling Comenity Bank on XXXX separate occasions and customer service removed late fees. In fact the late charges were never removed. Instead they kept charging late fee on fees that were supposed to be removed. Please help solve this problem. 
I called Comenity Bank the last time XX/XX/2023 and closed my account with a XXXX balance. Comenity Bank called me XX/XX/XXXX about my account that I closed previously. They said I still have a balance Please stop these scammers and fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: MI

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX/XXXX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed. 
RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans. 
ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin. 
FCBA violation : The creditors did not properly handle billing errors and disputes. 
I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities. 

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: MI

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX/XXXX/XXXX  Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed.

RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans.

ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin.

FCBA violation : The creditors did not properly handle billing errors and disputes.

I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities.

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-01 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: FL

Complaint narrative:
STATUS The complaint was closed on XX/XX/2023 The CFPB closed this complaint because it has already processed your earlier complaints about this problem. You closed the report as usual and DID SQUAT! HOW PITIFUL!

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 2023-03-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge. 
Identity theft reported to police on XXXXXXXXreport filed. 
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my experian credit report as overdue in XX/XX/XXXX. 
This fradulant loan supposedly involved an account at XXXX XXXXXXXX XXXX 
If you check you will discover that I have never had an account with this bank. 
I never arranged a loan by phone. 

I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her. 
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved. 
I would also ask that you correct my credit report at Experian and remove this so-called debt from my account with your company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TN

Complaint narrative:
Received an email on XX/XX/23 to my personal email address with a " Welcome to Chime! '' Email. I forwarded the email to the email address listed at the bottom of the email which stated " Didnt sign up for Chime? Email us at XXXX '' the same day. I didn't receive any correspondence back from this email address. 

On XX/XX/23, I received an email that stated that " Your Chime XXXX XXXX XXXX is on it's way '' and listed my personal address. I then googled Chime and found their customer service number and contacted the Fraud department. I spoke with an agent who confirmed that they closed the account and that I would not be responsible for any charges. Unsure how Chime was able to open an account in my name when I have a current security freeze in place on all 3 credit reporting companies and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
i am constantly receiving letters from account aren't mine or some letters denied credit that i haven't apply for and one day not to long ago i when to XXXX tried to open a credit want to remodel my kitchen and i was told i had credit already i never apply for such credit with XXXX. so and all the letters lately receiving and i got one time back in XXXX XXXX at XXXX XXXX XXXX report was made by me at the XXXX XXXX XXXX location restaurant at XXXX officer 's XXXX XXXX XXXX XXXX XXXX when unit number according to this report is XXXX and report number is XXXX title : burglary of motor vehicle they crack or break my passenger side of the vehicle taking with them a full back pack pink with all my personal documents, income taxes driver license and a XXXX, not only that but personal documents from customers that I translate because I also work for this Attorney his Name XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX his number is ( XXXX ) XXXX he is a board certified Attorney also practice diferent types of law and on that day i had alot of Immigration documents already translate and ready to be send out with original passports. then on XX/XX/ i when to my local police station and file a identity theft report no. XXXX  officer XXXX because all the letters i was receiving that i was sure weren't mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: MD

Complaint narrative:
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX Date Opened : XXXX Date of Last Payment : XXXX Date Closed : XXXX  Date Reported : XXXX. 
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, Experian, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of 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 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
-On XX/XX/XXXX, I tried to deposit a check in the amount of {$8900.00} through Wells Fargo XXXX XXXX  and received and error message stating that I was over the {$5000.00} daily mobile deposit limit. 

So I went to Well Fargo Branch # XXXX XXXX to deposit the check along with requesting {$250.00} cash back from transaction. The teller gave me my cash and advised that there would be a temporary hold on the check but I will have access to all of the funds XX/XX/XXXX. 

I received a printed receipt showing that {$8700.00} would be delayed XXXX business days and that the date funds would be available is XX/XX/XXXX. 

XXXX XX/XX/XXXX I received an alert through Wells Fargo XXXX XXXX XXXX XXXX Deposit Hold Alert Deposit Date XX/XX/XXXX Deposit Amount : {$8700.00} Amount Delayed : {$8700.00} Hold Reason : Unusual Deposit Account Activity Date Funds Will Be Available : XX/XX/XXXX -As of XX/XX/XXXX, I still do not have access to my funds. I contacted Wells Fargo and was advised by ( XXXX ) supervisors that XXXX  XXXX XXXX was holding up funds. 
Then a second supervisor stated that the issue was with the company that issued payment. Which was flat out lies. 

XXXX  XXXX XXXX and the party that issued payment confirmed confirmation that the check cleared. They also provided the BOA Sequence # XXXX along with WF transaction/sequence # as XXXX. 

This has caused a domino effect my transactions and use of my checking account in an attempt to cause me to incur overdraft fees. Wells Fargo is being deceptive in their business practices and illegally withholding my funds.

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 2023-03-01 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: WI

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner. 
Account XXXX. XXXX XXXX XXXX {$850.00} Account XXXX. Capital One {$800.00} Account XXXX. XXXX  XXXX {$700.00} Account XXXX. XXXX XXXX Ive sent Several dispute demanding proof of investigation, and these credit companies have broken tons of laws!

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 2023-03-01 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: Lendmark Financial Services
State: MD

Complaint narrative:
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically Lendmark Financial as the company entitled to enforce this reporting to my credit. 
Company : Lemdmark Financial Account Number : XXXX Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX. 
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 
According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with explanation