vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$1200.00} was taken from my checking account at Wells Fargo and they are not recovering the funds for me. They opened and an investigation and closed it and wont reopen. This money was stolen from me on their online banking service. Fraudulent charges made- and I was the victim of a crime and they wont recover 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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I tried to deposit a check for {$900.00} the agent came back and said we the bank can not deposit your check and told me account was set to close XX/XX/XXXX give me my check back. 
I also mailed a registered security to security transfer agent instructing the agent to wire my certificate of indebtedness to my TREASURY DIRECT ACCOUNT with the proper stamp and endorsement. That item was mailed registered mail XX/XX/XXXX. It's not reflecting in my 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 explanation
Consumer complaint received 2024-01-02 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: GVA Holdings, LLC
State: AL

Complaint narrative:
my account was debited witout my knowledge.so i want my money put back into my account and i want to cancel mycard.because they didnt tell me anything about taking it out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, who also works XXXX  XXXX  to support myself. 

In early XXXX I was the victim of an online scam ; I immediately alerted my bank, Capital One, but they could not return the money and I owed several XXXX XXXX  due to the bank. 

Consequently I was forced to pay back Capital One bank with funds from an investment account at XXXX XXXX, and Capital One was made whole. As a result, the bank has approximately {$1000.00} frozen during this time ; I have been unable to get the overage refunded to me in over 100 days. 

Capital One refuses to provide me with a case number, a contact number or any timetable for resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: TN

Complaint narrative:
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two

Company response to consumer: Untimely response
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX : If XXXX alleges a C/O occurred on XXXX XX/XX/XXXX, then the DoFD would be a date that is within 120 - 180 days prior to XXXX XX/XX/XXXX. A Date of First delinquency of XXXX XX/XX/XXXX is in inaccurate date. The payment history does not support a default date, aka Date of First Delinquency ( DoFD ), of XXXX XX/XX/XXXX because Equifax reports it as a month with a payment rating " paid on time. " XXXX has had at least fifty ( 50 ) separate occasions to correct the false/misleading/inaccurate data they are furnishing to the CRAs. They have changed nothing and have continued to " verify '' the causally implausible DoFD as " accurate, '' when they know, or have reasonable cause to believe is the data they are furnishing is false and/or misleading and/or inaccurate and/or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
I filed a complaint in XXXX about misreporting to my credit. I have never been late. Truist simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.

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 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have encountered ongoing discrepancies in financial transactions with a company, despite submitting multiple requests for resolution. These issues have persisted, creating a significant concern. While I'm currently withholding personal information, I am fully prepared to provide specific details such as dates, amounts, and actions taken by both parties. Your prompt attention to this matter is crucial, and I believe that sharing these details will be instrumental in resolving the identified issues. Please let me know if any additional information is required to facilitate a comprehensive investigation and resolution.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The company still has it listed as a COLLECTIONS when I have a Income with holding order as agreement to payments. This is STATE OF MICHIGAN child support division. This should be a slow pay due to the payments coming in late due to pay dates. This should never be a in FULL COLLECTION status when there is a Income with holding order.

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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I applied for the XXXX XXXX XXXX issued by Synchrony Bank on XX/XX/2024 and XX/XX/2024. Both applications were denied due to a security freeze at XXXX. I contacted XXXX and checked my credit report to confirm that no security freeze was in place at the time of applying.

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 2024-01-02 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: PA

Complaint narrative:
XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX  - XXXX I was never late on this account, please update this on my report XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This XXXX is Incorrect XXXX  XXXX XXXX XXXX XXXX This is not mine XXXX  - XXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a formal complaint against TransUnion LLC regarding their failure to appropriately investigate a dispute I mailed on XX/XX/2023. In my initial dispute, I challenged personal information, XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), and a bankruptcy filing with reference number XXXX. 

TransUnion 's response, dated XX/XX/2023, alleged that they would not proceed with investigating my dispute as it appeared to originate from someone other than myself. This denial to investigate is a direct violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ). 

Attached to this complaint, please find a copy of the dispute letter I sent to TransUnion, along with their response, as supporting documentation.

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried depositing money to my account and a ATM machine from my bank turned off while transferring money to my account. My money is still not in my account and the bank does not want to credit me until 10 business days. I have bills to pay and i will not be able to pay them due to my bank

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 2024-01-02 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I looked at my credit report on XX/XX/XXXX  and still noticed XXXX is Reporting Inaccurate Personal Information. I sent a letter on XXXX. I am telling them to update and delete my incorrect personal information.

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 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I requested info on why my XXXX XXXX  card for my business was canceled, I was not late on any payments and they stated verbally that because of my high rate on my over all accounts, which I then told them this card is affiliated with my business and I am not late on any payments and have a minimum amount on this card. I also asked if that was the case why haven't you canceled my Amazon card which is also with your bank, I canceled my Brandsmart card and paying that off at this time. They said they would send me a letter and we ended. the call. I tried to speak with them again after I noticed they have applied late payments to my account when I asked to speak with a manger they put me on hold and then hung up on me. which is why I am very upset.

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
My Prepaid Debit card with US Bank ( Relia Card # XXXX ) was used for withdrawals by unknown hackers three times in a row. US bank informed me that the amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) and the other amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) as well. And finally, an amount of XXXX was transferred on XX/XX/2022 to an account with XXXX Bank ( XXXX ), but didn't give the XXXX Bank Ac info. When I investigated and asked for help, XXXX refused to give me any information about where the money went. I even showed them that my XXXX account didn't get any deposits. US Bank investigated but concluded that no error had occurred assuming that I may have approved these transactions. I got lost between XXXX and US banks as neither one was willing to help.

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 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX  - XXXX I was never late on this account, please update this on my report XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This XXXX is Incorrect XXXX  XXXX XXXX XXXX  XXXX This is not mine XXXX  - XXXX This Information is Incorrect 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 NJ XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2024-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate information on my consumer report, and accounts that do not belong to me.

Also Experian is reporting Late payments which is a violation of the FCRA 15 U.S. Code 1666b - Timing of 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I would like for Experian to Re investigate the information they are furnishing on my report and provide me with names, phone numbers, and addresses of those they contacted to verify these alleged accounts that are on my account.

Also I would like Experian to send me a copy of my written permission to furnish information on my report. 15 usc 1681b- permissible purpose states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/2018, however, they sent me a bill as proof dated XX/XX/2018 with the address XXXX passing it off as an official piece of mail, but its not. Its 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 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV KNOWS I AM EXEMPT FROM DEBT COLLECTION They must stop and return collection on exempt funds at once and return the account or be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
On the day of XX/XX/2023 Consumer Portfolio Services ( CPS ) sent a receipt that they received initial letter of rescission but did not lawfully return all payments back to me within the 21 days given from their notice. Pursuant to 15 USC 1635 ( b ), this is default and shall allow me to exercise my necessary right to arbitration to seek relief for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Law Please see the copy of my dispute letters that were already sent to the involved Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Birchwood Credit Services, Inc.
State: IL

Complaint narrative:
XX/XX/2023 and Birchwood credit service. 

I have called and sent email them but nobody answers,

Company response to consumer: Closed with explanation