vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized accounts on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the accounts in question have not yet been removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. 
I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On the XXXX of XX/XX/2023 i received a deposit of {$140000.00} for my tax return which was deposited by XXXX, that same day my account access was restricted for no reason whatsoever, i have tried to reso this issue personally with truist but theyve been taking me back and forth i am beginning to think they do not plan to rele the funds to me, i want to use this medium to try to resolve this before taking a lawsuit against them. 
I have been a customer with Truist and have never had any problems whatsoever using the 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need to dispute the accuracy of an account on my credit report. The account in question is with XXXX XXXX XXXX and has an account number of XXXX. It was opened on XXXX XXXX XXXX  and has a balance of {$0.00}. After reviewing my credit report, I noticed that there isn't sufficient evidence to confirm the validity of this account. The information provided is vague and doesn't give enough details for me to verify its accuracy. As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this account from my credit report since there isn't enough evidence to support its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I was working with The Texas Mortgage Relief program. They paid mortgage that I put on backend plus additional mortgage payments making me due for XX/XX/XXXX! My loan was sold from XXXX to M & T bank! I was laid off due to unforeseen circumstances in the economy. I went from Unemployment, part time job short contract trying to make ends me as a single mom of XXXX girls. I opt out of the partial modification which was original processed with XXXX. I had a XXXX RESPA PERIOD WHICH protected me. I advised M & T I was working with and waiting on the Texas Mortgage Relief! I dont understand once my number was called and a check was issued for {$54.00}, XXXX making me due for XX/XX/XXXX why would you accept the payment XX/XX/XXXX and now want to missapplid funds XX/XX/XXXX and send it back! Telling me i was in a partial modification, i defaulted and didnt pay XXXX XXXX and XXXX! You are declined And now proceeding with foreclosure! Texas Mortgage Relief is supposed to prevent this from happening! I am back working and now you want to kick me out of my home and not accept the XXXX payment. I called customer service and confirmed M & T got the payment she said he said XXXX x you dont have to do anything else you are due for XX/XX/XXXX!!! Now today She said well we will take it but its going go towards the partial! I opt out of that! Why are you doing this to a single mom with XXXX kids! The then told me to scroll down there are other forms to help with hardship! XXXX i just got funds from an legit organization! Please help me keep my home and tell them to apply the funds from the mortgage relief! The texas mortgage relief is closed no longer accepting clients and you are going to make me reapply go back thru the process when YOU have the funds! Please help M & T NEVER SEND ANYTHING IN WRITING SAY I DEFAULTED OR THAT THEY WERE NOT ACCEPTING THE PAYMENT! THEY WERE IN COMMUNICATION WITH TEXAS HOMEOWNERS RELIEF!! Then why accept thr payment from them if I was working with them. They sent the check XX/XX/XXXX and it was received and cashed by M & T bank XX/XX/XXXX!!! They applied it to my account XX/XX/XXXX!!! I need M & T to keep the payment or if not get me to a XXXX lender!!! help me find a XXXX respected LENDER!

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 2023-11-15 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: KY

Complaint narrative:
I signed up for a checking on XX/XX/23 using the promo XXXX because they had a bonus of {$400.00} for depositing {$1500.00} with them. I made a deposit of {$1500.00} exactly on XX/XX/23, as well as several other smaller deposits on other days totaling more than {$1500.00}. It's been over 6 months and I still can not get anyone to help me one bit. I first reached out to a Truist representative online via live chat however they were unable to help and gave me a phone number to call. I called the phone number on XX/XX/23 and the lady I spoke to was even more unhelpful than the first one I spoke to. 
I completed all the requirements of this promotion and it seems like there is not a single person who is able to help me get to the bottom of it. Please fix this.

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 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
On XX/XX/XXXX, I received a summons for collection of money by the Island portfolio company XXXX XXXX XXXX , XXXX, This company showed me a copy of a contract for a personal loan from the year XXXX alleging a collection of money for the sum of {$3300.00} plus legal interest of 10 %. 

I informed this company that this debt does not belong to me. 
Because it was due to identity theft, I also informed the company that this debt does not appear on my three current credit reports. 

On XX/XX/XXXX I went to the court of XXXX, XXXX XXXX to answer the motion of the XXXX XXXX XXXX XXXX. In my motion I explained that this debt does not belong to me and that it was a concept of identity theft and at the same time I attached it the following documents : FTC Report XXXX XX/XX/XXXX for identity theft and proof that my credit reports do not show that account they are trying to charge me for. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote me a letter, stating that if I alleged that I was a victim of identity theft, I should send him the following documents : Police complaint, photo identification ( license ), water or electricity bill and fill out the identity theft affidavit, to evaluate the allegation. 

I do not have to send any personal documentation to third parties since I have been a victim of identity theft and this lawyer is requesting personal information from me, I can send this information to the credit agencies. 

This collection agency and their lawyers are harassing people and trying to collect incorrect debts, I have already incurred {$500.00} dollars of expenses to resolve this situation. 

Please resolve this situation, the address and telephone numbers of this agency and lawyers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Mail : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Atty. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TEL:XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 an 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 2023-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
On XXXX XXXX  I called in to make a payment with my credit card or debit card. Customer service stated that credit card payments were not accepted nor debit card. Only method of payment was to be done online with a checking account using account and routing number. At that time I did not a checking account. I asked the representative of all other payment methods to keep this account from being past due or late. This representatives failed to mention they offered a pay by mail option. This caused a very big impact to my credit score. Which could have been avoided if all options would of been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: FL

Complaint narrative:
I notice some unauthorized inquires on my report from my old XXXX XXXX XXXX XXXX which was paid in full and closed for over 3 years now.

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 2023-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I notice some unauthorized inquires on my report from my old XXXX XXXX XXXXXXXX XXXX which was paid in full and closed for over 3 years now.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

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 2023-11-16 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2023-11-15 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: FL

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. 

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  has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: IL

Complaint narrative:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I demand that this company cease all communications with me both directly and indirectly on any and every medium as described in the FDCPA. If this is not done, this company will be in further violation of federal law because as the fair debt collection practice act states, communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Communicating with me via credit reporting is a violation of this act and I will seek compensation if you do not cease as I have a right to financial privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 an 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 an 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