vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: MS

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: MD

Complaint narrative:
This reporting agency has repeatedly failed to maintain accurate and consistent information on my credit report. This widespread inaccuracy demonstrates a clear failure to adhere to their legal obligations under federal consumer credit laws, including : 1. Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) - Requires credit reporting agencies to ensure the accuracy and completeness of information. The numerous inaccuracies and inconsistencies across my credit report suggest a failure to properly investigate and correct erroneous information.

2. Fair Credit Reporting Act ( FCRA ) 605 ( c ) ( 15 U.S.C. 1681c ) - Limits the duration that negative information can remain on a credit report. Potential re-aging of accounts, as evidenced by inconsistent " Date Last Active '' entries, violates this provision by potentially extending the negative impact on my credit report beyond the allowed time frame.

3. Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ) - Obligates furnishers of information to update and correct inaccurate information. The persistent reporting of inaccurate information by the creditors or collection agencies reflects non-compliance with this requirement.

4. Fair Debt Collection Practices Act ( FDCPA ) 807 ( 15 U.S.C. 1692e ) - Prohibits false, deceptive, or misleading representations. Inaccurate reporting of account statuses, balances, and dates constitutes misleading information that can significantly impact a consumer 's creditworthiness.

5. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) - Protects the privacy and accuracy of consumer information. The mishandling and inaccurate reporting of my personal financial data indicate a breach of this act.

The numerous inaccuracies and inconsistencies in my credit report highlight a systemic failure by the credit reporting agencies to fulfill their obligations under federal consumer protection laws. These violations have significantly harmed my creditworthiness and resulted in financial damage and distress. Immediate corrective action is required to address and rectify these issues to comply with federal consumer credit laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: IN

Complaint narrative:
I was Key Bank Customer during the pandemic and paid over {$5000.00} in overdraft fees. I am a XXXX and was caring for XXXX patients. I would receive my pay by direct deposit a day after I worked, so I would receive multiple deposits during the week. Transactions would be processed to maximize fees, my deposits would be held pending for long periods. I would check my balance on the app and XXXX minutes later my balance was completely different. Customer service at Key Bank would tell me well you cant just rely on the app. I would have XXXX overdraft fees a day sometimes and wouldnt be able to match the fee to the transaction it was charged for. I received a letter from Key Bank recently stating they were crediting me {$200.00} in late fees back to me and that it would be applied to the outstanding amount I owed them!!!!! What I owed them were fees.fees that I couldnt afford to pay anymore. Since leaving Key Bank in XXXX, I havent paid a single fee from my bank. I worked really hard for that money and put my family and myself in harms way while doing it. I really want my money back! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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:
On XXXX the XXXX I activated my newly debit card and was in the process of placing a transaction to only have the card declined numerous times in different amounts. I contacted the fraud department twice to be told that the issue was resolved. While on the call with the second representative I attempted the transactions again for them to be declined again. The representative requested that I call back at a later time or try to lower the amount of the transactions. The transactions should have been processed as the funds were there and nor as a customer do I feel the need to call back and speak to another department when the transactions were not fraudulent. I was also told to give them time since they reset my card. This is completely unacceptable. Not to mention I requested a supervisor about 15 times and never got one. Ive had several issues with this bank over the last year which is the reason I will be taking my business else where. How do I have a debit that I was only able to use for a mere 30 minutes and now no one on your team has sense enough to resolve the issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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 explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7100.00}

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
Back in XXXX i took out a loan with regional acceptance for a XXXX XXXX XXXX. I was making monthly payments of XXXX my last payment was XX/XX/XXXX. I got married and unfortunately, my wife came down with covid long hauler and wasnt able to work. We lost our apartment and the car was repossessed due to non payment. The last form of communication i received from regional acceptance was saying the car had been sold in auction. We lost many personal items in the car on top of everything. The last thing i was notified the car was sold in auction I never heard anything after that from regional acceptance via email, paper letter, text or phone. Years go by and we never heard a single thing from regional acceptance or any type of collections. End of XXXX i went in to see if i could get approved for a loan, come to find out i owed XXXX $ to regional acceptance on a car loan i thought was paid off through the auction. To be clear i found out from the bank that i owed them anything XXXX never saw anything on credit karma. Since then, My wife has called, emailed, left messages, support requests, contact requests non stop for weeks! She left all our contact info and account number exc. They also have my address and email on the account so its not like they wouldn't be able to reach me. So we've gone down a rabbit hole of contacting the XXXX and creating a case hoping they could help get regional acceptance to contact us. Still nothing from regional acceptance. My wife found out that regional acceptance is associated with truist bank and called them hoping to get more information, on the XXXX of XXXX spoke with a XXXX. He stated that regional acceptance had been permanently closed but found it odd there website was still active. Confused my wife calls regional acceptance the next day, she spoke with a man named XXXX, who then transferred her to a voicemail. she had already left a voicemail with there charge off recovery team. She left another message once again giving all the info needed to pull up the account and contact us. As weve done research, weve been able to login to the online account i only owed XXXX left for the XXXX XXXX. If i had been told prior id easily been able to pay it off when my wife and i were both working. From what i see on the account it looks like i paid off XXXX the car from what i remember was XXXX but they want over XXXX. Yet I can't contact them, they wont contact me, the XXXX has gotten involved its not getting anywhere. Something just seems really off. I don't understand how debt collectors weren't contacted ... my wife has started keeping track of dates she attempts to contact regional acceptance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there's a complaint earlier that I did and I'd like you to just send my complaint to all these Banks about not being able to open a checking account due to fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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 letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

ACCOUNTS XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
my accounts that are on my XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of fraud I am a vulnerable adult with 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 2024-08-08 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: GA

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 explanation
Consumer complaint received 2024-08-08 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: CT

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$10000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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