vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities.

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account PXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

Sincerely, 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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank is denying my claim for fraudulent activity on my debit card, I went to a branch on XX/XX/XXXX asking for help on my account they told me that theres nothing they can do until the pending transactions post on the account. When I went to the branch again on XX/XX/XXXX they were able to help me close my account and issue me a new debit card. They told me it takes 7-10 business days to be given a provisional credit. I called in to customer service on XX/XX/XXXX and they had messed up the transactions that were disputed, they told me that the claim was denied as there was no incorrect pin used. Then they told me they can refile a claim for me and told me the same it would take 7-10 business days to get refunded. Then I called in again the following week on XX/XX/XXXX and they told me it was denied again and that I should get a police report. I went to the police and they informed me that Td bank is aware to give their customers an affidavit, to come with that affidavit with the police report. I went back to the branch on XX/XX/XXXX and they printed out the statements and affidavit for me. They said that Td bank never filed the claim initially and thats why I was having these issues. Someone needs to hold Td bank accountable. Td had also said that my card was not used after reporting it but it was used at XXXX XXXX for XXXX on XX/XX/2023. At the branch on XX/XX/2023 they told me that the other branch didnt file the claim initially. I am awaiting a police report number from the police they told me it can take 2 or 3 days. TD Bank has told me that once I get the report number that the branch will fax it to them and that this can take anywhere from 14 days to one month. Td bank and its representatives have been extremely careless, they do not care for their customers yet we entrust them to hold onto our money. 

ATM XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Total Amount due is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
This is with Remitly I had an account with them to make money transfers to friends and family since XXXX. I did not use it for the last few years. 
I tried to schedule a transfer in XX/XX/XXXX and logged into the account and scheduled a transfer and was promised the delivery in 2 hours. 

I then got a call from them that I need to provide passport for compliance as there was a second account created in XXXX. No further details were provided. I had no idea of what constitutes a second account ( Is it SSN based or combination of some other information ). 
I then provided the passport copy and asked how long it will take. 
I was told it will take 24 to 48 hours. I told her to go ahead with compliance but not with transfer as I will look into alternate arrangements for the money transfer. 

I then made alternate arrangements by sending the money using friends. 

I then got a call after a couple of hours and was told that the compliance is approved. 
I said I will need to confirm by logging into my account on my computer. 
By the time I did that, they went ahead with the transfer anyway and debited my bank account. 
I am concerned that they talked about a duplicate account only after I logged into my account and started and completed a transfer request and not when the duplicate account was created a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
As of XX/XX/2022, medical and health related debts are no longer allowed to be included on consumer credit reports. I have an unverified outstanding debt with SyncCare/CareCredit on my report as a charge off of more than {$2500.00}, which is having a severe impact on my credit. I have requested both a demand for verification and a deletion of this information from my report, but have yet to hear anything back. I would like to see all medical related debt stricken from all three of my consumer credit reports.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Delete all inaccurate information that do not belong to 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 non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I no longer live in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. 
I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing. 

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 Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account with Truist Bank last month ( early XX/XX/2023 ). On XX/XX/2023, I deposited my paycheck from the state of Florida into my new checking account. I received a notice before finalizing the mobile deposit informing that funds should be available by the next business day. Today ( Tuesday, XX/XX/2023 ), I have been informed that there is an " exceptional/administrative hold '' on the deposit. I received an email stating that because my account is less than 30 days old, a hold has been placed on the funds until XX/XX/2023. I need this money to pay rent and various other bills. At no time during the checking enrollment process was I clearly, conspicuously informed that such holds were possible. Any indication that a hold was possible was buried deep within terms and conditions. Withholding such information, or refusing to provide it in a clear and obvious manner is deceptive and unfair to the average consumer. I contacted Truist and was told there was no to either cancel the deposit or expedite the availability of the funds into my checking account. Now, I have no way to pay for my expenses until the 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
During late XX/XX/2023, I contacted CFPB about getting my credit report for Experian through XXXX. I received a credit report for XXXX XXXX based in NY. I am XXXX XXXX in NJ. 
This complaint was suggested by an employee of CFPB during a follow up call on 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I no longer live in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. 
I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing. 

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 Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I no longer live

in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing
. 

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 Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.

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 2023-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2023, I opened an online money market account with ALLY BANK ( XXXX XXXX XXXX ) I then funded the account by ACH payment in the amount of {$8000.00} in the hopes of an attractive advertised XXXX. 

Less than XXXX hours after the account is funded, I discovered I could not login and access my account. I receive a message from ALLY claiming the account is frozen for " suspicious activity ''. This happens only after ALLY receives my money. 

I contacted the bank, verified information, and so forth including refuting any claims that I misused the account or shared login details and now they say they may continue to freeze my account for an " investigation '' and may not conclude for up to 30 days. 

I requested an immediate closure of the account for wasting my time and was refused. Furthermore, ALLY claims they will not give me any interest during the hold period. This is tantamount to fraud on their part. Holding my money for up to 30 days while they can use it to lend to others for their profit. I have googled ALLY and it seems this freeze happens often and conveniently. How much money do they freeze, essentially take from honest customers like us while they have free access to our money?

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 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC
State: PA

Complaint narrative:
My credit which has always been great acutely dropped late last summer. XXXX was showing an account from XXXX XXXX XXXX. This is not and never was mine. I called XXXX XXXX and told them this and the account was closed. Fast forward months later and I keep getting harassing phone calls from a debt collector named XXXX XXXX. His number originally was a number from XXXX NC. Now it is coming from XXXX ext, XXXX. I have not engaged with this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a charged off card with Capital One. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX Experian sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX XXXX I sent out a letter after reviewing my credit score with Equifax.I noticed some incorrect information on my account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts which I've listed for them on the documents that Ive attached. Equifax failure to positively verify these accounts has hurt my ability to obtain credit. Now under the FCRA, unverified accounts must be removed and if Equifax can not provide me a copy of verified proof, They must remove the accounts listed below. 
I demand the following accounts be verified or deleted immediately & not updated inaccurately. Its been well over 30 day from the original date of me notifying them and I still have not gotten any type of update or removal documents from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
on XXXX/XXXX/22 i have sent letters to all three bureaus stating the company who is contacting me for money i have no knowledge on who they are nor owe them any money. I also sent letters out on XX/XX/22. The attachment below is the most recent letter that i am sending out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a charged off card with XXXX XXXX. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.

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