vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello. My name is XXXX XXXX, I have reached out to XXXX and TransUnion regarding the improper/incorrect/false/illegal reporting to my personal credit report from a creditor by the name of Persolve Legal Group LLP/Persolve Industries etc XXXX I have also tried resolving the issue with the creditor directly. I have had several frustrating interactions with all 3 companies for years now as the issue has yet to be resolved. The company [ XXXX XXXX XXXX, XXXX ] is reporting a closed account to XXXX but is reporting the same account as open, negative and with an incorrect balance to TransUnion. I am trying to resolve the matter with the creditor as it is negatively hurting my personal credit causing greater issues in my personal life. I am unable to resolve said debt with illegal and false information being reported and the reporting bureaus accepting this illegal and false information and reporting it.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: IL

Complaint narrative:
Keybank Will not process request of mine to return money from unauthorized transactions And money from closed account Keybank XXXX XXXX XXXX XXXX ohio XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: LEXISNEXIS
State: PA

Complaint narrative:
I filed an initial complaint case # XXXX. LexisNexis keeps saying they can not identify me to get the CFPB to close the case out. When I call on the phone they have no issues identifying me. They did not attempt to verify me before placing items on my report with permissible purpose. I want the XXXX  XXXX Bankruptcy that they have on my file to be removed as per my previous request. I have sent them all the documentaion they have required to identify myself via the email address they have provided. Do not keep allowing them to say they can not identify me as I have provided my social security number, DOB, state ID and a address verification multiple times. I have attached all of the documentation that has been sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: LA

Complaint narrative:
I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( XXXX, XXXX, TransUnion ) to fix this matter but each bureau failed to resolve this matter. XXXX has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( XXXX, XXXX, TransUnion ) keep having and miss reporting information to my file.

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 2022-10-04 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: LA

Complaint narrative:
I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( XXXX, Equifax, XXXX ) to fix this matter but each bureau failed to resolve this matter. XXXX has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( XXXX, Equifax, XXXX ) keep having and miss reporting information to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I filed a CFPB complaint with Truist Bank, XXXX, XXXX and XXXX about false and inaccurate information. Truist Bank is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline Truist Bank be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which Truist Bank is claiming that it is a loan, which is proof that the information is false and inaccurate.

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 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
Hello, I have been in contact with Ed financial numerous times since XXXX to receive back the money paid towards my student loans during COVID. According to them they have processed the request however, they are unable to provide a timeline or send a confirmation that the request has been filed. Searching online has showed that every other lender has been able to refund in a timely manner however edfinancial is struggling to refund or give updates. When asked for a time frame I am quoted nearly half a year which is long over the threshold of what any other company is offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX ID # XXXX {$350.00} XXXX XXXX Charges Unauthorized due to Immediate Cancelation after sign up XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$29.00} XXXX XXXX claimed to credit XXXX Wells Fargo Credits Additional months not shown in the above charges XXXX {$24.00} Dispute ID # XXXX XX/XX/XXXX {$24.00} Dispute ID # XXXX XXXX {$59.00} Dispute ID # XXXX Total Credits {$100.00} These month charges not included in above months charges This company conducts fraudulent business practices as displayed by attached law suit, XXXX XXXX XXXX Complaints, and XXXX XXXX XXXX, with multiple other complaint companies not included in the attachments, as too many to include. 


NOTE : The files are difficult to open and may require Open in Viewer and then wait for scanning to complete to open. Files are critical to open so attempts of various means recommended.. 


I canceled immediately after sign up in XX/XX/XXXX, as I began to read the fraud of XXXX XXXX. They refused to cancel and continued billing my account monthly. I contacted Wells Fargo several times to file a dispute to unauthorized charging continuing on my account with the merchant refusing to stop. There was no contract. I asked Wells Fargo to block the merchant which they failed to handle as well. Finally, after a year Wells Fargo disputed it and sent back the last three charges as unauthorized charges. When Wells Fargo finally entered the dispute over a year later, they only credited the last three months ( shown above ). 
I filed cases with the Executive Office, but to no avail. This is Wells Fargo 's responsibility as they failed to stop the charges, block the merchant to stop future charges and file a timely dispute when brought to their attention that they needed to help this matter and to credit the account early on for unauthorized charges

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
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Sent to XXXX XXXX XX/XX/XXXX I pray this message finds you well. I had an encounter with the Bank of America in XXXX of XXXX that derailed me and my business and I need to address it so we can come to a resolution. I was a small business client with the bank. At the time, I received a payment from a client who was not authorized to pay from the account used. I received the payment and used it to make purchases on behalf of the client. When the authorized user of the account reported their funds were used without their knowledge or consent, the bank charged back the funds from my account. I, at the time unaware of what happened, wasnt even given the chance to issue a refund. When this happened the bank made the business decision to close my account. When I asked to recall the funds from the payment I sent out, in order to recover my funds, I was told that there was an ongoing investigation into the account and that I couldnt recall anything until it was complete. I was told would be notified when it was done. I never received any correspondence about the situation until I finally decided to reach back out to the bank about 8 months later. In those months, still believing that my account was under investigation, I ceased my business activity awaiting feedback from the bank. When I reached back out I found out that the investigation was ended within a week of when it began. I was told that the 60 day recall period had lapsed and that I was no longer able to receive the funds I sent. I lost this money based on the negligence of the BOA and I was unable to recover the funds from the supplier who I am to this day unable to reach. I am currently looking to sue the bank for the payment ( XXXX ) as well as for the money that I should have made in the last almost two years ( minimum XXXX per month ). I was advised to send in this formal complaint before reporting to the cfpb and occ and suing the bank to offer the opportunity for the bank to settle out of court. I can be reached at this email address as well as by phone at XXXX. 

I look forward to hearing back from you, 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 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. You have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. XXXX Account Number : XXXX Please Submit onto the ACDV form and please Delete it under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have made several attempts with Equifax to resolve an issue with XXXX XXXX XXXX. They continue to leave an inaccurately reported account on my credit report. Now, Equifax has deleted my active mortgage, so my credit reports that I have no mortgage account. I am not sure what XXXX XXXX XXXX is in charge at Equifax, but it certainly appears that they need to be let go. I would like to have my active mortgage returned to my credit report and the XXXX XXXX XXXX account with inaccurate info removed. I do not know how to accomplish this as Equifax has been uncooperative and obviously incapable of accurately reporting my credit history. My mortgage is with XXXX  XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX i was a victim of an accident, where i had to be transported to the hospital in critical condition, after being discharged on XX/XX/XXXX of XXXX i noticed my belongings had been stolen, including but not limited to my purse containing my wallet, my phone, my money. In my wallet i had my identifications and debit, credit cards. 

When i was able to see my bank accounts and credit accounts i noticed the thief used absolutely all my funds from my debit and credit card companies. 

My credit card company has already solved my problem, however CAPITAL ONE refuses to provide my legal right to a proper investigation. 

I have filed a police report with the XXXX police department, i have contacted every single company involved in the claim, all the companies have confirmed this was fraud because my PIN was never used, there is video footage at stores where my card was used and the thief is A XXXX!! i suspect maybe someone close to me stole it however i still dont know. 

i am tired of having to beg for whats right. CAPITAL ONE is acting in an improper way, i need my money back it is all my savings, i can not work any more i will be in XXXX  for the rest of my life THERE IS PROOF I DID NOT AUTHORIZE THESE CHARGES please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/2022 I noticed 2 charges for XXXX had gone through on my credit card ( automatic, reoccurring charge ) for XXXX and XXXX. I do not have a XXXX account. I called Discover and explained, they assured it would no longer go through. 

It went through again for XXXX so I froze the account and ordered a new credit card. 

The new credit card came and Discover CONTINUED to let the charge go through as it was a reoccurring subscription charge. 

In XXXX I called again, and filed a fraud dispute and asked for the money to be refunded and the card NOT allowed to be charged by that merchant again. The dispute case was resolved and they refunded three of the charges ( 5 total charges ) since you could only file the dispute online attached to each individual charge. 

I thought it was solved, but again in XXXX the charge went through. I called again. I was assured this time it was solved. 

BUT in XXXX it went through AGAIN. Spoke to another individual who enacted a feature on the card that will prevent any and all subscription services from pulling automatic payments. Unfortunately Discover does not offer any confirmation numbers, or email receipts of these conversations nor do they have a way to contact them in email so you can have written documentation. However, these conversations and notes are associated with my phone calls and when I call agents are able to look at the prior conversations. 

At this point I just needed the charges to stop - Discover has not refunded the money, but I just wanted it to stop. XXXX has NO record of this card ever being associated with an account. 

In XXXX, the card was charged once again. I just called today and was transferred about with no solution and no refund. 

At this point I have gone to Discover to fix it multiple times so it is time to pursue another avenue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX  is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX  be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I called Mr. Cooper directly on XX/XX/XXXX & XXXX, XXXX for the new payoff letter. On XX/XX/XXXX, I called from my bank to inform the customer service representative of the domestic wire transfer request for {$1600.00} being sent to payoff my mortgage account. ( see attached bank wire transfer with the date shown XX/XX/XXXX ). Upon several phone calls and online bank messages ( dating from XX/XX/XXXX through XX/XX/XXXX ) and the evidence from the domestic wire transfer request to Mr. Cooper, indicating that I made the payoff before 30 days past due, my three credit reports ( XXXX XXXX ; XXXX ; XXXX ) reflects XX/XX/XXXX day past due on my Mr. Cooper account. I have disputed this with the three credit reporting agencies on numerous occasions. I have not made any 30 day past due payments with Mr. Cooper and have had my account in good standings. The payoff was also made on XX/XX/XXXX and not 30 days past due. I have requested this credit reporting error be corrected, however ; I receive the same generic letter from Mr. Cooper that the payoff was received on XX/XX/XXXX. My evidence and date shown on the domestic wire transfer is proof of the XX/XX/XXXX date and a comment on the domestic wire transfer to Mr. Cooper & XXXX XXXX XXXXXXXX XXXX XXXX 

Please follow up with a manager from Mr. Cooper/XXXX XXXX XXXX XXXX to correct my credit reporting bureaus with no 30 day past due. 

Thank you.

Company response to consumer: Closed with explanation