vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does 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 2023-12-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} 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 explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I went to Truist Branch ( XXXX XXXX XXXX XXXX ) and met with XXXX XXXX to transfer {$50000.00} from my savings account into a money market account. That day I was not happy with all the very bad customer service I had received from Truist since they had taken over BB & T. I let XXXX XXXX know of the many poor customer service incidents. When I asked what rate Truist would offer me, XXXX said " he wasn't sure and it it all depended ''. So, I asked depended on what? I told XXXX XXXX, that I had been a customer there for more than 20 years, had a credit score of XXXX, and was going to put {$50000.00} into the money market account. So, what would my rate be? It took XXXX XXXX over XXXX minutes of working on his computer and walking in and out of his office to finally state " I can offer you 4.5 % ''. To this I told him that 4.5 % was a horrible rate! I further stated that I could go to any number of banks and get 5 %, 5.15 %, 5.30 % or more. I even showed XXXX XXXX the letter I had from XXXX XXXX XXXX guarantying 5.30 % until XX/XX/XXXX. Well, even though the rate Truist was offering was awful, I told XXXX XXXX to go ahead and transfer the money and open the money market account. I additionally, advised XXXX XXXX that I would be ultimately closing all of my accounts at Truist because of all of the previous bad service ( which I will not go into ). XXXX XXXX did show me a paper that stated 4.5 % was my rate. However, he never gave me that piece of paper. The XXXX forms I received when I left his office were XXXX. Truist One Time Transfer XXXX XXXX. Truist Checks XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. Switch Your Draft/Payment Close Your Old Account Forms. I was never given a RATE DISCLOSURE FORM!! This is ILLEGAL!!! When checking my money market account I saw that the rate was only 3.9 %???? WHAT they XXXX!!! This is FRAUD!!!!! On XXXX I went back to the XXXX XXXXXXXX and spoke with XXXX XXXX. I advised him of everything that had taken place and of just how angry I was with Truist and the FRAUD They were committing. XXXX XXXX emailed the Branch Manager who was meeting with other customers. In response the Branch Manager offered to increase my rate to 4 %. I responded with " XXXX NO!!! '' " This isn't Let 's Make A Deal '' Truist doesn't get to lie to customers and defraud them of money they owe them, and then try to negotiate a lower percentage than the already awful rate I was given 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 explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I abruptly started receiving emails on XX/XX/XXXX claiming that Chase had terminated my account, so I called them right away to find out why. They recently informed me that I will no longer be able to open accounts at their bank and that my account will be terminated. Being an XXXX XXXX  in the United States, all of my living expenses are saved in Chase Bank thanks to my parents ' wire transfer.I went to the branch on XXXX XXXX  right away because I only had one debit card at that point. They informed me there was nothing they could do and to wait. I've been waiting for ten days, and during that time I haven't had a single dime with me. I had to borrow money from my XXXX to get to school and buy food. I don't know why they did it to me, and I'm not angry with them anymore for shutting my account without providing a reasonall I want is my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
I recently checked my credit report and noticed that the bureaus have added unauthorized information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and noticed that the bureaus have added unauthorized information to 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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bought a saw from XXXX that turned out to be used and defective. There web site said 90 days warranty 30 days free returns. I went back and fourth with them, sending them videos and telling them what I have done several times. They sent me videos on how to put gas in and start several times. 
After several weeks of arguing with them they finally sent a return label and I returned saw. XXXX XXXX apparently never returned funds or Truist Bank never credited my account back. 

Enclosed is tracking number and proof they received the saw. 
Tried to dispute with Truist Bank, 3 times, monies that were to be returned by merchant. 
They said they closed first time because no affidavit. They said they would send and I never received. 

Truist Bank The Charge was {$360.00} on XX/XX/2023 The name of my account is XXXX Contracting Account # 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 2023-12-05 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: CA

Complaint narrative:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I previously disputed the accuracy of payments to this account with Total visaXXXX company claimed payments are correctly being reported but I pulled my reports yet again and found multiple innacuracies in question on XXXX and XXXX  payments are being reported with different past due dates of XXXX XXXX XXXX of XXXX on XXXX as 30 days late on each month where XXXX is reporting 60 days late for the same months. XX/XX/XXXX is 30 days late on XXXX and 60 days late on XXXX account is also 90 days late of XX/XX/XXXX on XXXX but 120 days late on XXXX. XXXX of XXXX account is charged off but on time on XX/XX/XXXX how is that possible? Again I am asking for this tradeline to be removed from my credit report it is not being accurately reported according to the FCRA you must report this account accurate if account cant be accurate complete and verified as we both know by law it must removed from credit report if it can't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2023 I sent a Debt Validation request to Capital One Auto Finance along with a cease and desist via certified US Postal Mail. After speaking with a representative, they requested that I remove the cease and desist for the phone call. This Debt Validation request was not answered still as of today to prove the validity of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent account persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate account continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent account impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: MS

Complaint narrative:
To Whom this may concern ; My Name is XXXX XXXX and I have been trying to get this item removed from my credit report for some time now because it keep coming back saying that the information is been verified by the source that they got it from and that's not the case.15 U.S. code 1681 a Says that I have a right to privacy, therefore I didn't give anyone permission to take my information and put it in any reporting agency. Also 15 U S code 1681 B2 permissible purpose. Rule 9037 says : Redacted fillings, Unless the court orders otherwise in an electronic or paper filing made with the court that contains an individual 's social security number tax id number date of birth, name of the individual, other than the debtor, known to be and identified as a minor or a financial account number, a party or nonparty the filing may include only : 1 the last four digits of the social security number 2 the date of birth, 3the minors initials, 4. the last four digits of the financial -account number. The information that I have provides shows that the company that the credit agency says that they got the information from has said the the information isn't correct and therefore removed it from there data. Therefore the credit agency should remove the information from their data as well. To me it seems that you guys are sending the information to the credit bureaus letting them know that they have an complaint against them and they come back saying that the information is verified with you doing the research to see are they doing what's correct. You are taking their word when they are wrong and is taking advantage of the consumer. I get it. This is how they make money by getting information on consumers but is not illegal and they should be penalize for doing this. I have done everything to prove that this is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
This company is reporting on my credit report without my knowledge

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 2023-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
Optum Bank has reassigned mutual funds from an open XXXX account to a closed XXXX account where it can not be accessed. This is the second occurrence of this issue. It is happening without my knowledge or consent. 

I opened a new XXXX account with Optum Bank in XX/XX/XXXX due to a change in employment and a new health insurance plan. I had another XXXX account with Optum Bank through a previous employer, so I consolidated the accounts in XX/XX/XXXX. The assets in the investment account were transferred without liquidation and the old account was closed ( account closure confirmation email attached ). Between XXXX and XX/XX/XXXX, the investment assets were reassigned back to the closed account ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and had the funds moved back to the open account after several calls to customer service ( XX/XX/XXXX account statement showing proper balances attached ). 

Between XXXX and XX/XX/XXXX the same issue reoccurred ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and called customer service on XX/XX/XXXX to resolve it. I was promised the issue would be fixed within XXXX business days. XXXX weeks later the issue is not resolved. I called customer service again on XX/XX/XXXX and was unable to make any progress. 

Screenshot from online portal showing current balances attached. The first account with an investment balance is the account that has been closed since XX/XX/XXXX. The second account is open and should contain all funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
As a consumer, I am writing to file a complaint against Atlantic Recovery Solutions , LLC, concerning their recent inquiry on my XXXX credit report dated XX/XX/23. This inquiry, conducted without proper authorization, not only violates the Fair Credit Reporting Act by lacking a valid permissible purpose but also constitutes an intrusion upon seclusion, impacting my privacy rights. 

In this instance, no permissible purpose or consent was provided for the inquiry, resulting in a violation of both privacy rights and FCRA regulations. 

Enclosed, please find supporting documentation for your review. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have requested on 3 separate occasions for my loan to be reported so that I can refinance it and get out of this outrageous interest rate, The company in turn refuses to report my loan so that they can trap me into this interest rate and not allow me to go elsewhere. I recently spoke with Manager XXXX XXXX XXXX  who states he has never heard of that practice however they sent me a letter stating they decided they do not want to report the loan to credit bureas. They put me in a 24 percent interest loan and every month they keep increasing the loan value.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute several errors and mistakes that have been reported on my credit report by your agency. I have obtained a copy of my credit report from your agency and after careful review, I have identified the following discrepancies : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute several errors and mistakes that have been reported on my credit report by your agency. I have obtained a copy of my credit report from your agency and after careful review, I have identified the following discrepancies : -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - 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 explanation