vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a credit card with a company called truist. I applied for a card with no annual fee or apr for 12 months. However, during the first year I got charged a lot of interest and even an annual fee. I reached our to the CFPB, and they reached out to truist and the issue was fixed, or that's what I thought. Recently I got charged another annual fee even though like I stated, the card I have has no annual fee. I called them and let them know of the issue but it's been close to a week and I still see the annual fee, and now I'm getting late payments and interest because of this annual fee

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 2023-11-23 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: GA

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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-11-23 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: Experian Information Solutions Inc.
State: GA

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. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-23 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: NC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-23 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: NC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-23 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: NC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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:
I am writing to formally dispute inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received any response from TransUnion regarding the following discrepancies : The account under the name XXXX ( Date Opened : XX/XX/XXXX, Balance : {$190.00} ) is not mine. I request its immediate removal from my credit report. 


The account under the name XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$150.00} ) does not belong to me. I request its prompt removal from my credit report. 


The account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$200.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account with XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$990.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account with XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1600.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account under the name XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX ) is not mine. I request its immediate removal from my credit report.

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 2023-11-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: RAM America, Inc
State: FL

Complaint narrative:
RAM Payment , LLC, also doing business as XXXX ; Account XXXX XXXX, XXXX, formerly known as XXXX XXXX XXXX ; XXXX XXXX ; i was taking advantage from this company and need to now how to join the lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX, I contacted Navy Federal Credit Union 's customer service regarding a concern I had with the check deposit processing time. I had deposited a check over a XXXX dollars in the on-site ATM at the Navy Federal Credit Union 's local branch in XXXX, GA on Saturday, XX/XX/XXXX. After waiting on hold for an agent to answer my call, I was able to speak to an agent. She elaborated on the check deposit processing time of 7 business days, and our conversation ended on a professional note.

However, after I ended the call, my checking account was flagged by the Navy Federal Credit Union security department at XXXXXXXX XXXX on XX/XX/XXXX. I was unable to log in with my correct credentials and was left confused about the situation. 

The next day, on XX/XX/XXXX, I called Navy customer service and was informed that I needed to speak to the security department. But the agent told me the wait time was two hours or more. She suggested that I go to the Navy Federal Credit Union local branch. When I went to the branch, I was told that they could not assist me with unlocking my account. The manager on duty could not provide an explanation about my locked account with their security department. She suggested that I call the security department after XXXX XXXX. However, when I called again after XXXX XXXX, I found out that the security department 's hours of operation were from XXXX XXXX  to XXXX XXXX. 

I am an XXXX  and I deposited a significant check amount at Navy Federal Credit Union XXXX However, my transaction was flagged as suspicious activity. I am confused about why Americans can't deposit a significant amount of checks into their account without being flagged as suspicious. Can you help me understand why this happened and why my checking account is still locked?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention a matter concerning my credit report with Experian. On XX/XX/XXXX, I contacted Experian to address inaccuracies in my credit report. Despite my initial contact, I have not received a response to date. The following accounts are inaccurately reported, and I request their prompt removal : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Please remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Please remove it from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Please remove it from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10.00} Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Please remove it from my credit report.

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 2023-11-23 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: CA

Complaint narrative:
Dispute received by experian on XX/XX/2023 Dispute results received XX/XX/2023 no investigation took place no documentation provided Experian is NOT investigating just rubber stamping.

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 2023-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Payments made through XXXX were fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have included details but concern is that Truist is violation Regulation E, False Provisional Credit Letter and Delays in processing, show different data on my account online vs what they XXXX internally. Do I need a lawyer to get this account cleared up? 

XXXX XXXX XXXX : XXXX. On XX/XX/XXXX reported Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX* XXXX XXXX - XXXX XXXX XXXX NY {$87.00} Was advised that the Card would be closed and a New Card Issued. 
XXXX. On XXXX reporterd another Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX NY {$3000.00} Was advised it has been reported and I asked where my replacement card from XX/XX/XXXX would be received. They indicated there wwe no card ordered on XX/XX/XXXX and would do one and I would get it in XXXX days. 
XXXX. Various communications between XXXX and XXXX XXXX. XXXX - emailed XXXX XXXX to advise indicate that the new card received was being rejected by all uses. 

XXXX. XXXX Tried to use the card and received a FRAUD ALERT Email to XXXX XXXX - Update on your XXXX XXXX XXXX - Reference Number XXXX XXXX. Various communications between XXXX and XX/XX/XXXX XXXX. XX/XX/XXXX Email to XXXX XXXX on Interest charge Received on the above XXXX Fraud reported Transactions of $ XXXX responded Let me find out what is going on and I will call you today. 

XXXX. XXXX requested by XXXX XXXX, Client Frontline Support, Client Escalations and Solutions XXXX to send her copies of Statement, and letters received acknowledging fraud under review. 

XXXX. XXXX Reported to XXXX XXXX that I received letter stating that Provisional credits issued that were previously issued are permanent and reported that I HAD NEVER RECEIVED ANY PROVISIONAL CREDITS. 
Also asked about why Truist had not stopped my liability on Regulation XXXX and never responded to this statement. 
XXXX. XXXX - Called by XXXX in the XXXX XXXX Department that they have re-assigned my claim ( same claim XXXX XXXX ) based on my reporting the fraudulent letter of provisional credit of XX/XX/XXXX. They could not find the letter, could I send it to them. 

She indicated I could call XXXX for a status update at any time. 

XXXX. XXXX Received a email from XXXX XXXX that XXXX Details : Disposition Status : Research Resolved Disposition Comments : Claim has been escalated for review. 
Hopefully I will have an answer soon. 

XXXX. XX/XX/XXXX Sent email to XXXX XXXX that I just received another Interest charge ( {$51.00} ) on the XXXX amounts. I copied the statement in the email. 
Asked about how this Interest gets added to the Refund on the fraud claims.

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 2023-11-23 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:
I am writing to file a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies, but to date, I have not received any response. The details of the disputed accounts and the necessary corrections are outlined below : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Please remove it from my credit report. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Please remove it from my credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Original Creditor : XXXX XXXX XXXX Please remove it from my credit report. 
XXXX  Date Opened : XX/XX/XXXX Balance : {$190.00} Please remove it from my credit report.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My charge date on the possession charge is incorrect. It should be XX/XX/2017

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake. 

I am requesting an updated credit report for my personal records as I can't trust what else XXXX be put on my report.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake. 

I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.

Company response to consumer: Closed with non-monetary relief