vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I discovered a pending unauthorized transaction on my business bank account for {$1700.00} at the XXXX XXXX. I immediately contacted the banks fraud department to report it. They informed me that they could not take action until the transaction posted. 

On XX/XX/year>, the transaction posted to my account, and I promptly filed a formal fraud claim. On XX/XX/year>, I received a decision from the bank stating that they denied my claim because they believed my card was present at the time of the transaction. However, I have had the physical card in my possession at all times, even after it was deactivated on XX/XX/year>. 

Through follow-up inquiries, the bank disclosed that the online transaction involved an email address and a delivery address not associated with me. The only correct piece of information used was my billing address, suggesting identity theft. I have never authorized this transaction and received no benefit from it. I filed a police report on this matter. 

Despite multiple attempts to resolve the issue and a letter requesting reconsideration of my fraud claim, the bank has not reversed the charges or provided any documentation justifying their conclusion. It has now been several weeks since my last communication, and I have not received any response or further assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am disputing unauthorized inquiries on my credit report. Please remove unauthorized inquiries immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting 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:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX ) Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( XXXX ) : The reporting practices may violate the XXXX, which mandates accurate reporting of credit information. 
Additionally, sections 15 U.S. Code 1681i and 1681s-2 of the FCRA mandate XXXX credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-11 00:00:00
Product: Credit reporting 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:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment XXXX XXXX XXXX  XXXX XXXX Account # XXXX ) Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( XXXX ) : The reporting practices may violate the XXXX, which mandates accurate reporting of credit information. 
Additionally, sections 15 U.S. Code 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete hard Inquiries XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my credit report and found an error in my address information. Please remove the incorrect address, " XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, '' as it has no connection to me. My credit report should only reflect my actual, verified address as per the Fair Credit Reporting Act. I shouldnt have to face any issues because of errors that arent my fault. I kindly request this matter be resolved immediately to ensure the accuracy of my credit report and prevent any potential complications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Date opened XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account number # XXXX TDRCS/CARTIER Account number # XXXX this is the result of identity theft and fraud, remove all listed inquires and accounts within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: TX

Complaint narrative:
Calls saying a file on debt that has already been resolved Also issue is over XXXX XXXX XXXX XXXX says they are XXXX XXXX This is not from them It is from a scam group telephone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am shocked to find unauthorized information included in my credit report. This blatant error is unacceptable and has caused unnecessary harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$1800.00} ( XXXX ) XXXX - XXXX - {$1800.00} ( XXXX ) Late Payment XXXX XXXX XXXXXXXX - {$460.00} Inquiry XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX I opened a corporate bank account with Truist Bank. I was surprised I wasn't asked for any documentation which I had, because for my other corporate accounts documentation was required. But it was convenient to my condo in XXXX and I received a flyer from Tuist promising {$200.00} for a new business account so I thought why not. 
My deposit was a check I received from the IRS for the XXXX program. This is a refundable tax credit for eligible businesses that had employees and were affected during the COVID-19 pandemic. It was prepared by my accountant. The amount of the check was {$30000.00}. 
Initially, as stated on my receipt, a portion of the deposit would be held till XXXX XXXX. The amount available would be {$5500.00}. That turned out not to be the case. Then I was told that the check was being held by the fraud department and would be released by the XX/XX/XXXX date. 
That date came and I could not access my money. After being on hold for XXXX hour, I was told it would be released the next day the lag being due to the XXXX holiday. 
That day, XX/XX/XXXX, came and I still had no access. I was on hold XXXX minutes and was told XXXX more day. On that day, XX/XX/XXXX, I went to a branch near my home in Tennessee and was told then that my account had been closed and that my deposit would not be returned until confirmed it was valid and that would take a month. I am doubtful that even then it will be released. I am not comfortable with this bank, who had misled me many times, keeping my money that long. 
If there was not enough vetting on the front end, I should not be held responsible or suffer from that. I have all the documentation and have never been asked for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXXXXXX XXXX on XX/XX/year> under the account number ending in XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024, Citi Costco told us ( by e-mail ) that it shipped the following renewal cards to replace the ones expiring in XXXX 2024 : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX cancelled/stopped XXXX XXXX XXXX XXXX for XXXX XXXX XXXX cancelled/stopped WE DID NOT RECEIVE THE CARDS. Instead, Citi Costco sent us some notifications on XXXX XXXX 2024 that some suspicious activities were detected on both credit cards. Maybe four or more charges made on XX/XX/XXXX were DECLINED. Unfortunately, two charges went through on card ending in XXXX. One for {$22.00} ( XXXX XXXX XXXX ) and the other for {$2700.00} ( XXXX XXXX ). Another charge of {$24.00} went through on the card ending in XXXX but Costco credited my account for it. 

Since after XX/XX/XXXX, I had numerous back and forth communications with Citi Costco. I was asked the same questions over and over again. Despite these time and efforts, on a letter dated XX/XX/2024 and titled CONCLUSION OF INVESTIGATION, Citi Costco said it can not resolve the matter in my favor because I did not provide the required information. I am sure they have all the records of my calls contesting the charges.

For further reference, the credit cards in our possession right now are ending in XXXX and XXXX. And I attached a copy of the Police Report for the card ending XXXX and the fraudulent charges made on XX/XX/ 2024.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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