vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

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 2024-03-07 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: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a customer of Truist and I had checking account from Truist Bank. I filed a complaint for fraud transaction with Truist on and around XX/XX/2023. The charge was made by XXXX XXXX XXXX company and it was for {$380.00}. Truist refunded this charge back to my debit card after the initial investigation. However, after nearly 3 months, Truist took this charge back from my account. XXXX XXXX violated my trust and the law. I filed several complaints against XXXX XXXX and finally, we signed a settlement agreement. I can not disclose the settlement terms and the amount that they paid me due to confidentiality however, they acknowledged their error. On the other hand, Truist never acknowledged their error and they're still demanding this money from me. I closed my account and they are claiming that I owe them around {$60.00}. I demand {$380.00} from Truist. This was a charge made without my consent and approval. Truist should have protected my rights as I was their customer, however they sided with the business even though that business was on the wrong. 
Now, I have a negative mark in my credit report because of Truist just for {$60.00}. I have the right to seek compensation for the damages that this negative mark has caused to me and my business. I can not open a new checking account for my company due to this derogatory mark and it is affecting my income negatively. I can not operate my business without business checking account. If this issue is not resolved amicably, I will start legal battle against Truist.

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I leased a Tesla in downtown XXXX. This is XXXX and folks don't have garages with chargers. Tesla sales assured me that they were rapidly building a network of public chargers and it would not be a problem. As of today, XX/XX/XXXX there are no new Tesla chargers closer than XXXX, New York. Which means I need to drive XXXX miles round trip to charge the car... multiple times per week. So essentially XXXX XXXX of the miles allowed on the lease are used up to charge the car... .They should give me credit for that mileage as it is a substantial amount of the miles allowed under the lease. 
Since human beings are essentially unreachable at Tesla and my emails to XXXX are not returned, there is no way to get them to respond. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: AR

Complaint narrative:
Ive recently checked my credit report and noticed inaccurate information reporting, these accounts are all reported differently o each credit bureau.How can i have 3 different balances reporting, 3 different past due amounts reporting and according to the FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) it is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: COMMERCE BANK
State: FL

Complaint narrative:
Subject : Formal Complaint Against Commerce Bank for Non-Response to XXXX XXXX XXXX Claim Hello, I am writing to file a formal complaint against Commerce Bank regarding their failure to respond to a claim initiated by XXXX XXXX XXXXXXXX on behalf of XXXX XXXX XXXX. 

We had initially filed a Consumer Financial Protection Bureau ( CFPB ) claim against XXXX XXXX XXXXXXXX due to a pending claim for months and no response whatsoever, outlining the circumstances surrounding our policy cancellation and refund request with XXXX XXXX XXXX ( XXXX XXXX  ). XXXX XXXX  XXXX let us know that Commerce Bank was not replying to them whatsoever when they were trying to retrieve our funds so we would like to file a claim against Commerce Bank now. On XX/XX/2023, XXXX XXXX  XXXX initiated a claim on our behalf regarding this matter. However, despite repeated attempts and reminders, Commerce Bank has not provided any response to XXXX XXXX XXXXXXXX XXXX inquiries regarding this claim. XXXX XXXXXXXX XXXX is telling us Commerce Bank has been ignoring them for 4 months. 

The delay in Commerce Bank 's response has resulted in significant financial strain on our business. Without their cooperation, XXXX XXXX XXXX has been unable to proceed with our claim against XXXX XXXX, leaving us without resolution for unauthorized charges totaling {$3900.00} over multiple months. 

We have provided all necessary documentation and cooperation to facilitate the resolution of this issue. However, without Commerce Bank 's response, we are unable to proceed with obtaining the refund we are rightfully owed. 

This situation has caused undue hardship for our business, and we urgently request your intervention to expedite the resolution of this matter. It is imperative that Commerce Bank responds promptly to XXXX XXXX XXXXXXXX XXXX inquiries to ensure accountability and facilitate the refund process. 

We appreciate your attention to this matter and kindly request your assistance in resolving this issue as soon as possible. 

The Claim Numbers are XXXX & XXXX Thank you for your prompt action and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurate accounts being reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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 XXXX XXXX XXXX Acct. # XXXX has violated my rights.I have no first hand knowledge of any debt with is company. This is fraudulent as my information was obtained, illegally. 15 U.S.C 1681 Section 602 A. States I have a 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 with out my written instructions

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 2024-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
On several occasions I tried to resolved this issue with Ammericollect XX/XX/2023 filed with CFPB written notification about debt.

XX/XX/2023 filed with the CFPB about attempts to collect debt not owed. 
and on XX/XX/2023 Filed with CFPB false statements or representation Account number XXXX has so many inaccuracies I'm concerned which information is correct. 
I want it removed off of all 3 Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-07 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XX/XX/2024 I did not give authorization for my credit to be pulled by this company.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my dua date, I made my regular credit card payment of {$50.00} to TRUIST Bank, on XX/XX/XXXX, I made an additional Payment of {$100.00} a few days later I checked and my XXXX Payment was {$0.00} since I had made another payment XXXX. XXXX, XXXX, Today I got an email from XXXX mentioning that TRUIST had reported a late payment for XXXX, I immediately I called TRUIST and spoke to an operator I mention the issue and ask to speak to that department< i was told they didn't have a department that I could speak to regarding that issue, the only thing she mentioned was to dispute it which I did

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX my spouse and I purchased a sectional couch for the amount of {$1100.00} with XXXX XXXX XXXX XXXX through the financing company called Acima. A woman representative from XXXX XXXX, who assisted our purchase required us to make a cash deposit to initiate the purchase. The cash deposit we put down was {$300.00} and the amount was never reported to the credit agency ( Acima ). Once I realized this, I requested to close the account because the costs were too expensive and I no longer wanted to uphold the responsibilities of the contract. I also recently in XX/XX/XXXX, reached out to XXXX XXXX XXXX XXXX to request my records of purchase and they did not respond and they also blocked my number. A representative from the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has also reached out on my behalf on XXXX XXXX, XXXX and to no avail, not response has been given. The representative that has been assisting my complaint is XXXX XXXXXXXX and she informed me that the store has several similar complaints and that there is a possibility that the store is under investigation with the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One Credit Card, sent me a card that I did NOT apply for or request in XXXX, XXXX. I returned the card with a written letter that I had not applied/requested this card. 

I checked my credit report and my credit report XXXX due to a notation by Capital One, between XX/XX/XXXX and XX/XX/XXXX. Checking my credit report I found 2 different notes, stating I had closed the Capital One account. 

1 ) Dispute resolved, consumer disagrees, account closed by consumer. 
2 ) Account closed by consumer. 

My credit score should not suffer because I cancelled a credit card that I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
i have been checking my credit score and there was multiple dates and places where this person has been using my identity around about a few months before XXXX is when i had lost my wallet on the bus coming home from work i dont work there currently, the places and dates that this person has been using my credit cards and my identity colorado id is XXXX XXXX XXXX XXXX inquired on multuiple dates stating from XX/XX/XXXX, XX/XX/XXXX XXXX etc to XXXX. 
XXXX XXXX XXXX : inquired on two dates XX/XX/XXXX, XX/XX/XXXX experian XXXX XXXXXXXX mulitple dtaes and ending with XX/XX/XXXX Experian XXXX : starting with XX/XX/XXXX with multiple date sand ending in XX/XX/XXXX experian cs identity : inquired on XX/XX/XXXX XXXX XXXX employment : inquired on XX/XX/XXXX XXXX XXXX : this is why i cant get a phone anywhere at XXXX because they had locked it the date to that XX/XX/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 2024-03-07 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
1. XX/XX/XXXX, I received a letter in the mail from XXXX, XXXX and XXXX XXXX regarding a debt from XXXX - File number XXXX. I am unfamiliar with this debt. In the letter, it states that I can request information via the mail or and email address regarding the debt and if that request is made, action can not be taken against me while that information is being sent to me. I looked the company up online and per numerous negative reviews, decided written communication was best for proof should I need it. I sent an email to the email provided in the letter and I received a bounce back email stating that my message was blocked. I checked the email address to make sure it was entered correctly, noted it was, sent another email and received the email blocked message. I went on to their website and found an email of their main contact and sent him an email requesting additional information on the account. I did not hear back. 

2. Today, XX/XX/XXXX, I received a letter in the mail from the District Court of Maryland that there will be a garnishment on my wages over this debt from XXXX. As an email was sent for additional information, all legal proceedings should have been stopped while this request was being handled but they did not comply nor was I informed they were going to court to garnish my wages. I wanted information on the account so I knew what the debt was and how to best proceed. This was not given to me as the letter stated it would.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation