vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Truist Bank and XXXX regarding the mishandling of my account closure, a substantial refund, and subsequent customer service issues. This situation has caused significant financial distress and appears to involve unfair and deceptive practices. Key issues : Truist Bank Account Closure : I requested that my Truist Bank account not be closed until I received a pending {$1800.00} refund from XXXX. 
Despite this request and a scheduled future appointment, a Truist employee closed my account prematurely. 
XXXX Refund Issues : XXXX attempted to refund {$1800.00} to my closed Truist account. 
XXXX 's customer service has provided inconsistent and potentially false information about the status of this refund. 
On XX/XX/XXXX, XXXX 's executive team confirmed receipt of the returned funds from Truist Bank and requested I choose a refund method, including XXXX XXXX. 
Despite this, XXXX continues to claim they've refunded the original form of payment, which is impossible due to the closed account. 
Truist Bank 's Handling of Returned Funds : Truist initially claimed they couldn't retrieve the funds from " limbo '' and forced me to open a merchant dispute. 
After promising to provide the funds directly to me, Truist instead returned the money to XXXX. 
Ongoing Dispute and Financial Distress : Both XXXX and Truist have ignored documented proof and facts, creating a false narrative. 
This situation has caused significant financial distress and has potentially impacted my standing with other financial institutions. 
Customer Service Issues : Both companies have provided poor customer service, with representatives ignoring facts and failing to resolve the issue. 
Truist 's executive team member, XXXX XXXX, has been particularly unhelpful and has ignored factual information. 



This situation has caused significant financial hardship and stress. I am prepared to provide any additional documentation you may need to assist in your investigation. Thank you for your attention to this urgent matter. Sincerely, 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 explanation
Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Please remove these fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XX/XX/year>. Please remove these fraudulent inquiries 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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian Experian Dispute Center XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX. 

Subject : Request to Block Fraudulent Information Under FCRA Section 605C To Whom It May Concern, I am writing to formally request that you block specific information on my consumer credit report that I believe is the result of identity theft and fraud. This request is made pursuant to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

The fraudulent, inaccurate, and false information that I need removed from my credit report includes the following accounts : 1. **Credit Card Applied at XXXX XXXX XXXX Applied on XXXX, XXXX. 

XXXX. ** Credit Card Applied at XXXX XXXX - Applied on XXXX, XXXX. 

These application were submitted using my identity, and I did not authorize any of them. As a result, several unauthorized hard inquiries have also been made on my credit report. 

Please send me a written confirmation once these items have been blocked and removed from my credit report. I would also appreciate any additional guidance or steps that may be necessary to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-09-01 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
My chime card was stolen, and funds were taken from my account. I immediately contacted Chime and filed a dispute on XX/XX/year>. On XX/XX/year> my dispute claim was denied. That is impossible for a due process investigation to be completed in 2 days, with no supporting documentation to back up the decision made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
My Paypal prepaid card was stolen and funds were fraudulently taken from my account. I immediately contacted Paypal and filed a dispute with them on XX/XX/year>. I got a notification that I wouldn't get an update for 30 days about my claim, so I would have to wait to even see if my funds could be recovered. I expedited a replacement card and was charged {$25.00} but I never received my card. Now I have been blocked online access and got an email to contact them. I am requesting this claim and situation be governed for constructive fraud due to the tactics used by this company only after a claim was filed.

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 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: UT

Complaint narrative:
I attempted to send my mom money for rent and added her phone number to my XXXX XXXX account on Chime. Only after sending funds did I realize that it was going to someone other than my mom ( the system didnt show any alternative names prior to submission ). So {$150.00} went to a complete stranger who then took/accepted the money. I attempted to notify the company of what happened. They said theyd launch and investigation and then denied my claim and allowed the unauthorized party to retain my funds. They enabled theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
Debt Validation Persuant to 12 CFR 1006.34c. I am refusing to pay this debt and this is a notice to cease and desist all collection activities sent pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c. This is not a request of verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above title and section. I respectfully request your company to provide me with competent evidence that I have a legal obligation to pay you. Also, if your offices have reported invalidated information to any of the XXXX major Consumer reporting agencies ( XXXX, XXXX and XXXX ) this action may constitute fraud under both Federal and State Laws. If your office are able provide me with the proper documentation in the letter that is attached as requested persuant 12CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information during which time all collection activity shall CEASE and DESIST. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This account was opened fraudulently by the reporting agency I don't owe them anything. They tried to get me into a XXXX year contract. You pay in front to start a policy. I told repeatedly the operator that I wanted a month to month. policy. He was yes, yes you'll not have a contract. If you're late they immediately send you a warning that they will cancel your policy if you don't pay that particular month. Therefore I'm sure I don't owe them anything. The policy was cancelled when I stopped paying for it. I also called to cancel my policy was still current. I didn't have any balance pending. Their allegations are that I was told. Which I never was, But I never have had a contract with any insurance, I pay as I use it a month to month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-09-01 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please validate the information reported, 1 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number:XXXX Fraudulent balance : {$320.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 

2 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : Net Credit Republic Account number : XXXX Fraudulent balance : {$3900.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 

3 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX Fraudulent Balance : {$3100.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

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 2024-09-01 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: FL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


1. XXXX - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX XXXX XXXX - XXXX 1. XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-01 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: MN

Complaint narrative:
How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXXXXXX XXXX  Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-09-01 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: EQUIFAX, INC.
State: MN

Complaint narrative:
How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXXXXXX XXXX  Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX XXXX XXXX - XXXX 1. XXXX XXXX XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
And XXXX maybe XXXX. XXXX I received correspondence to the mail from Wells Fargo and somehow my XXXX XXXX unless you maybe do the paperwork in the trash or something nice call me back could they return it they was reference what copies of it or it was reference to the mortgage just wants to something that was added to my account and said I'm going to say it wasn't current but severa years l ago. This document was to inform me of a possible error in an induction for mortgage insurance once I believe and and I also received paperwork asking me that I want to immediate a mediation appointment. I need this copy of this letter since I have lost mine and so that I mean attached appropriate response to these questions

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