vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted TransUnion on XX/XX/21. I sent them an FTC report, passport, cover letter and federal laws relating to the matter. It was received on XX/XX/21 and must be removed within 4 business days according to 15 USC 1681c-2 ( a ) ( 3 ). When I spoke to the representative at TransUnion, it was stated that I satisfied all of the documentation needed in order to consider this as fraud and identity theft however, I was still denied further action of removing these fraudulent accounts off of my report. As a consumer and natural person I know my rights and TransUnion is now in violation because after 4 business days of no removal pursuant to 15 USC 1681n, they have violated my consumer rights 11 times, one per each account. Therefore, I am seeking financial compensation for violating my consumer rights in the amount of {$11000.00} in addition to immediate removal of these fraudulent accounts on my consumer report. Thank you for your assistance regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
The company Heritage Acceptance is a horror movie, the staff there is horrible, bad communication and treat people like XXXX especially the lady name XXXX, they had one name XXXX and she made me cry, I purchased a XXXX XXXX XXXX, my payments were set up for me to pay {$250.00}. Every two weeks, well I was doing okay but then my rent was not being paid in full so I had to pay a little more on the next car payment but I also explained to them that I could not continue to pay every two weeks because I needed to keep a place to stay, Pay my Rent, well that did not sit well with Heritage, I asked them to put me on a monthly plan, they said FLAT OUT NO, NOT UNTIL I GET MY PAYMENTS BACK ON TRACK. Well I continue to pay my carnote, my brother passes away and I had to pay my brother 's funeral expenses, do you know this company told me they needed proof of my brother 's passing so I had to sent a copy of the Obituary, I had a lot going on and yes I was behind on my carnote but I did get it caught up, Anyway on my credit report they are constantly reporting me 20-30-60-90 days late, On top of that the woman XXXX SAID TO ME, THAT I NEVER HAD GOOD CREDIT NOW I WANT HER TO WRITE ME A LETTER FRAUDULENTLY SAY MY CARNOTES ARE UP T0 DATE, SHE SAID BECAUSE YOU ARE IN A BIND YOU WANT A FAVOR, I HAD SPOKE WITH A GENTLEMAN NAME XXXX I WAS NOT ABLE TO PAY $ XXXX.ON XX/XX/XXXX BUT I WOULD HAVE A PAYMENT IN ON TUESDAY XX/XX/XXXX HE SAID THATS FINE SO AGAIN WHEN I SPOKE WITH XXXX AND EXPLAIN THE CONVERSATION I HAD WITH XXXX SHE SAID I DON'T CARE WHAT YOU AND HIM TALKED ABOUT YOU SAID THAT YOU WERE GOING TO {$500.00} INSTEAD YOU ONLY PAID {$250.00}, ANYWAY I WANT THIS COMPANY OFF MY CREDIT REPORT NOW, NOBODY IS EXCEPTING THIS WHEN I APPLY FOR AN APARTMENT OR EVEN BUYING A HOUSE. PLEASE HELP ME THIS HAS BEEN GOING ON SINCE XXXX AND IT IS XXXX. I NEED TO MOVE FORWARD WITH MY LIFE, MY LANDLORD IS SELLING THE PLACE I LIVE IN AND WANT HIS PLACE BY THE XXXX OF XXXX, I NEED TO GET ME A PLACE TO STAY, PLEASE PLEASE HELP ME, THIS COMPANY IS DESTROYING MY LIFE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I checked my Credit and saw an account that I did not recognize! I filed a police report and I sent a copy of that and a letter to Acima, they have not removed the Fraudulent account from my credit, and boy am I upset about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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:
In XX/XX/XXXX I was advised by XXXX XXXX XXXX that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted XXXX XXXX XXXX and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact XXXX XXXX has now reported the fraudulent address to the credit reporting companies ( Experian, etc. ). Today I spoke with XXXX at Experian and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with XXXX XXXX XXXX and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to XXXX XXXX on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from 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 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
Prior CFPB complaint marked as duplicate to avoid addressing error in funds availability of a mobile check deposit, the amount of {$4200.00} made on or around XX/XX/2018 to Suntrust checking, now Truist Bank. For whatever reason, Truist Bank did not provide prior reply to CFPB, claims to have sent it directly to me, to avoid the CFPB and posting it on portal .... The CFPB might want to investigate this behavior. It appears Suntrust rep ( s ) made an error in releasing full funds from mobile deposit made on XX/XX/2018, funds were made available on XX/XX/2018, did not verify availability with XXXX XXXX prior. The check had a stop payment placed on it, unknown to me at the time. The account later became overdrawn as a result, the amount of which is unavailable to me at this time, account was sent to several collection agencies, sent back to Suntrust. Most recently, XXXX XXXX XXXX attempted to collect on debt, referred account again back to Truist Bank. As stated before, Suntrust reps made an error in releasing funds, did not verify prior, now attempting to collect funds from myself. This appears to be their own error, I refuse to pay for. Also, XXXX XXXX has not reimbursed me to date for funds owed, the amount of {$4200.00}.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of inaccurate/unverifiable and fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.

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 2021-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I've sent disputes to XXXX, Transunion and XXXX. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.

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 2021-08-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I've sent disputes to XXXX, XXXX  and Equifax. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of inaccurate/unverifiable and fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MD

Complaint narrative:
i had a car loan with XXXX/XXXX  i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date

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 2021-08-26 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: TX

Complaint narrative:
The Car which was Finance was already sold due to a reposesson the original amount was not {$27000.00}. the amount that is showing on my credit report is incorrect. It is showing an incorrect amount for the full finance amount and is showing derogatory. The amount that is showing the outstanding balance however I was never made aware of what the car was sold for so that outstanding balance was never authenticated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX of 2019 I opened an account with XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting.This debt has been sold for collection and upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic.

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 2021-08-26 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: TX

Complaint narrative:
The Car which was Finance was already sold due to a reposesson the original amount was not {$27000.00}. the amount that is showing on my credit report is incorrect. It is showing an incorrect amount for the full finance amount and is showing derogatory. The amount that is showing the outstanding balance however I was never made aware of what the car was sold for so that outstanding balance was never authenticated.

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 2021-08-26 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: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
I was out of the country and had my vehicle payment set up on automatic payment. When i returned home months later. i was notified that the car had been repossessed for lack of payment which i was unaware of. I explained the situation when i returned and paid the balance off. As they researched it they realized it was their mistake. However it is still showing on my report as a paid charge off and affecting my credit in a negative way even though it was not my problem. Please assist me in helping to get this removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2021 ago my maternal grandmother XXXX XXXX XXXX of XXXX XXXX, TX XXXX attempted to loan me {$400.00} for last-minute moving expenses as a result of an eviction. Of course this was already surprising and taxing considering I thought there was a current eviction moratorium. 

At any rate, shortly after trying to send me the funds via Zelle, my grandmother got a notification that I had received the funds. I assumed that all I needed to do was login to the Zelle XXXX ( which I may have used once or twice in the past - in my entire life ) and attach a debit card to get to the funds. 

Upon trying to login, I got repeated error messages saying I needed to contact Zelle customer service regarding my locked account. I called the listed number and was told by the auto attendant that call volumes were high and to expect a 45 minute wait. I stayed on hold for around 6 minutes before I had to disconnect to finish moving. Obviously, being in the middle of an unexpected move, I didn't even have those 6 minutes to spare let alone at 45+ minute wait the auto attendant kept telling me to expect. 

I've attached a screenshot with the error message as well as one while I was on hold to get in touch with Zelle support. 

At any rate, I never received the funds from Zelle and to my knowledge, don't even have an open account with them. The only time I ever remember using it was to pay for a computer from a guy off XXXX  at least 4 years ago, and I distinctly remember it being cumbersome and annoying at that time, and hadn't actively tried to use it since then. 

Again, I never received the funds from Zelle and ended up having to jump through even more hoops to borrow money to complete my unexpected move. Digital wallets are supposed to be exactly that and this is FRAUD on Zelle 's part - pure and simple. 

My grandmother 's funds need to be refunded and I can assure you I won't ever try sending nor receiving funds with Zelle ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX. 

I have been trying endlessly to log in to equifax to obtain a credit freeze. The website states I have an existing account, in which I do, but have forgotten my password. 
So it then tells me to click need help signing in if you forgot your password. 
I do this and it asks me for my information over and over again, and keeps telling me to contact them, So I do this, via the automated system. This system also wont allow me to gain access, even though Ive answered many security questions. 
Then, after many attempts, I get a live person on the phone, sounds like hes in XXXX. Hes asking for my social security # and other identifying means, in which I reluctantly give him. 
He then asks me to upload my drivers license and a selfie to him in order to verify my identity. No way do I feel comfortable with that. I cant believe a credit bureau is asking me to send all this to a man over the phone in a foreign country!! 
There is a flaw in their website that does not allow you to reset a password or identify yourself via online. 
The other two credit bureaus took me two minutes to freeze my credit. Why is it that I have to mail or send personal information that could be stolen or accessed by people I do not know to this credit bureau? 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX I sent {$800.00} via XXXX through my bank XXXX XXXX, to a company XXXX XXXX XXXX XXXX to purchase a Puppy. Turns out it was scam, I never got a puppy. I reported the scam to Capital One the same day when I realized I had been scammed. They said they would investigate. XX/XX/XXXX I get a decision email saying my claim was denied because there was no error. Capital One should be protecting the interests of there customers. You should not be able to be scammed using an app through your bank to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX my card was fraudulently charged 3 times for a total of over {$3000.00}. When I received a text message fraud alert for one of the charges I immediatly notified my company and reported the other 2 charges. The company closed that account and opened a new card transferring my balance over and assured me it would be handled. The largest of the 3 charges cleared from my account in a few days but the other 2 have subsequently posted to my account as billable charges. I called them a further 4 times in an attempt to get those charges removed and all they did was repeat a script and lie to me telling me each time I would see a credit for them in 3-5 business days. Obviously this has not happened.

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 monetary relief