vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Around XXXX, I opened up a XXXXXXXX XXXX XXXX student checking account to manage my expenses and get my first true debit card. I declined overdraft coverage and elected to deal with the deflected charges with the institutions themselves rather than with overdraft fees. 

Around XXXX, my account was transferred over to Truist in the XXXXXXXX XXXX XXXXXXXX merger . 

XX/XX/XXXX : An auto-occuring ( reoccuring ) payment was submitted for a total of {$25.00}. The bank account was at a total of {$1.00}. 
Due to this, an overdraft fee was charged, totaling {$36.00}. An email was sent indicating low/no balance, but no overdraft fee email was sent. 

XX/XX/XXXX : A XXXX transfer was sent totaling {$19.00}, to cover the {$25.00} recurring charge ( did not hink an overdraft fee was charged, no mention in email ) XX/XX/XXXX : Following multiple emails regarding negative/low balance ( NOT overdraft ), Truist states in an email that I have recieced " no alerts this month ''. Caused confusion as that seems to contradict the other emails. 

XX/XX/XXXX : The balance was updated to be - {$82.00} due to a {$5.00} XXXX payment ( and subsequent {$36.00} overdraft fee ). However, a {$1.00} XXXX payment was charged and an overdraft fee was generated, but then refunded due to it being < {$5.00}. 

XX/XX/XXXX : Balance updated to $ XXXX due to a {$9.00} recurring charge and overdraft fee of {$36.00}. Emails sent. 

XX/XX/XXXX : {$300.00} deposited in-person to resovle further fees. 

XX/XX/XXXX : Asked in-person to speak to a banker regarding the confusion over this situation. Thought proscess included " why didn't they tell me this when I got the card '', " why doesnt locking the card prevent recurring charges '' and " why would they charge {$36.00} overdraft fees on a STUDENT card in which all students are broke as it is. Teller proceeded to deflect, but still refunded {$72.00} of {$100.00} in overdraft fees. I proceeded to tell them that I needed the {$36.00}, as that amount of money would have prevented the whole issue at hand. Teller refused, stating company policy.

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 2023-12-15 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: DC

Complaint narrative:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 






List of Account Review Inquiries that needs to be deleted from my credit file TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX via TRANSUNION 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 explanation
Consumer complaint received 2023-12-15 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
On XXXX XX/XX/XXXX received escrow analysis show short of {$4500.00}. That the new payment goes into effect on XXXX/XXXX/XXXX. Called talk to them about transfer to collections. Tried over for assistance. Not able to send forms to me. Called ask what increase told property insurance. Property insurance told that is was only XXXX increase. Called back ask to talk Supervisor. Supervisor XXXX told that she can spread out excess over 36 months not 12 months. Put today and see on next statement. Still starting on XX/XX/XXXX. 

XXXX statement was XXXX XXXX take out XXXX Called twice to get resolved. Was told nothing can do. Last time XXXX supervisor reach out to XXXX was told nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NY

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX  Account # 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 an account without my written instructions! In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; My rights are being violated all these account numbers are also reporting incorrectly under. 15US code 1681 e ( b ) Accounts numbers : arent a 100 % accurate if the full account number is not reported and missing information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 2023-12-14 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I contacted Calvary SPV on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees. Original credit is XXXXXXXX XXXX  and amount owed is noted at {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NY

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: NY

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Good evening, I have been a customer of Huntington BankXXXX XXXX , OH branch. 

I have been the victim of identity theft since 2018... was on the hook for some very expensive things, such as a home. I have been a client of the bank for a few years. 

I have had several fraudulent transactions on my account. Through the course of conversation ; I mentioned my past with identity theft, which I always do. The woman I spoke with made a note of I which I thought would be beneficial. The supervisor also stated it would help in the future... it clearly did not, in fact it had the compete opposite effect. 

I went in to the XXXX OH branch. Spoke with a bank rep ; asking if the checks would have any reason to require a hold. I was told absolutely not, in fact I drew on a few XXXX dollars. There was something that alerted the teller to something about my financial status ; which she attempted to forward me to a personal banker, which I refused. Furthermore I advised her of the poor and unprofessional treatment I received at my local branch as my reason. 

Which brings me to my point. Huntington Bank decided to put a hold on my $ XXXX deposit and REFUSED to provide me with the funds to close account. In fact the branch manager took it as far as to say she believes that my company check ; which I have deposited since the inception of my account; was FRAUDULET!! Therefore insinuating an upstanding citizen of society is somehow a thief.

Not only have I been refused access my hard earned/well deserved money during this difficult holiday season, I was accused of being a check forger and thief... banks that are divisive and accusatory have no right to be a part of the FDIC.

I did not choose to be a victim of identity theft. I should not be denied to get my monies
from Huntington either. 

Please Help!!! 

Thank you for your time and consideration. 

Happiest of holidays, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
MY PERONAL INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING TO FIX THIS. PLEASE HELP ME DELETE THESE ACCOUNTS. XXXX XXXX Account # : XXXX DELETE. XXXX XXXX/ XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Account # XXXX DELETE. XXXX XXXX XXXX Bank Account # : XXXX DELETE. XXXX XXXX XXXX Account # : XXXX DELETE XXXX XXXX XXXX  Account # : XXXX DELETE. XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions.
State: VA

Complaint narrative:
My XXXX XXXX case was XXXX in XX/XX/2023 ; however I am now receiving calls from debt collection agency, FBCS at number ( XXXX ) XXXX on behalf of XXXX XXXX XXXX debts that were discharged in my bankruptcy.

Upon disputing the erroneous information with the credit bureaus I received a response indicating that the debt was valid becuase it was sold to another lender and presumably illegally during the bankruptcy proceedings ( see attached ). 

Please note that FBCS collection agency is making harassing calls to my phone multiple times a day everyday and refusing to send anything in writing solidifying their purported claim to the debt.

Please advise on what needs to happen to correct these violations of my protection under the bankruptcy laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion, Responding to closed complaint # XXXX. 

In your response to the CFPD complaint you stated After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. 

Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # s I had with XXXX. 

I've attached a letter that describes the issue in detail.

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 2023-12-15 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: GA

Complaint narrative:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I appear on an account that belongs to my ex husband. I called the issuer and they told me that they can't rwmove 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 2023-12-14 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: MS

Complaint narrative:
Plase see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
ON XXXX XXXX  I HAD TRANSFERRED XXXX INTO MY OWN PAYPAL ACCOUNT OUT OF MY XXXX ACCOUNT AT XXXX XXXX AFTER PAYPAL RECEIVED MY MONEY THAT I HAD PUT ON MY ACCOUNT THEY PUT A LIMITATION ON MY ACCOUNT THE TIME WAS XXXX XXXX  BECAUSE THEY SAID IT WAS A BIG INCREASE IN VOLUME BUT ONCED AGAIN THIS WASNT NO SALE THIS WAS MY PERSONAL MONEY, XXXX XXXX  I had received another email from PayPal stating the limitations was permanent and they are holding my money that I HAD PUT IN MY PAYPAL ACCOUNT for 180 days I tried to appeal it but they denied it. 
I don't see how this is fair by far how are they aloud to assume something and hold my money from me when I told them the truth I had my momey transferred into PayPal and I want my money I need my money it's XXXX for the love of XXXX I have a daughter.

Company response to consumer: Closed with explanation