vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
After an Incoming Wire Transfer, Fifth Third Bank puts a 10-Day hold on the Funds in some parts of their System. All Wire Funds are supposed to be available within 24-Hours per " Regulation E '' and this is not the case across the Fifth Third Banking System. The consumer has to call the Bank and initiate a Manual Intervention. In some cases, this may allow the Bank to charge unnecessary Interest Charges to the Customer. 

Also, if a Curtailment Payment to a Loan is made on a Saturday in their Internet Banking System, Fifth Third waits until the next Business Day to record the transaction. This costs the Consumer 2 more days of Interest Charge. With 24-Hour Internet Banking, Fifth Third should be looking at Transaction Dates. Instead, Fifth Third forces its System to use the next Business Day. Credit Card Companies use Transaction Dates and so should Fifth Third. Not using the actual Transaction Date allows the bank to steal monies from Consumers. 

The Fifth Third System and Procedures are outdated. I also get the sense parts of the Fif Third System is just lazy and they don't think through policies and are slow to update them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I created an account with Grain before the pandemic, of course everything was upended then. However I paid off my account and its showing up as charged off on my credit report. I have called the company over ten times but only get an automated system that does not let you speak to a rep, I have also emailed the company numerous times. Its really frustrating because this dinged my report and is making it difficult for me to move on. How can a company gleefully take payment but refuse to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
new and updated information XXXX has not responded within the 30 day FCRA required time to investigate a bankruptcy showing on my consumer report. XXXX received my papers on XX/XX/2022 ( USPScertified tracking # 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 non-monetary relief
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
new and updated information XXXX has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days

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 2022-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
new and updated information XXXX has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days

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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX {$8.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m 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 2022-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m 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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MD

Complaint narrative:
I recently lived in an apartment complex where Id signed a 6 month lease. I paid all 6 months up front. At the end of my lease I turned in the keys and moved out and all was well. A month after moving out I received a letter from IQ Data international saying I owed the apartment complex money. The letter from IQ said to write them in 30 days to dispute the debt and request validation. I did just that and sent them mail overnight to ensure it got there before the 30 day mark. A month went by and I never heard from them. All of a sudden I get a notice that a collection had been added to my credit report. It was from IQ data international. I wrote them again and called them asking for validation of the debt. Over the phone they told me they dont send anything in the mail, despite the fact that I got their contact info from something they sent me in the mail. I asked both over the phone and once again in writing for a validation of the debt and they have still not provided that information to me. I have disputed it with the credit bureaus and they seem to have no trouble communicating with them, but they have made no effort to try to validate this debt with me or allow me to dispute it or verify it. 
This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Saturday XX/XX/XXXX XXXX to XXXX XXXX Amount {$3000.00} After deposit the money screen kept on looping on processing Never asked to confirm and never printed a receipt I called and Bank of America havent giving me any info on the claims havent funded my account which they said will do it in 2 business day it been 5 days now

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: FL

Complaint narrative:
A Chime account was fraudulently opened in my name. I have tried to contact the company by phone but am unable to reach anyone and their automated system cant address this or take a report of any kind. I only know of the account because I received emails saying an account had been opened and then emails stating phone number and email have been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: DISCOVER BANK
State: FL

Complaint narrative:
new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX {$8.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX put a medical bill on my credit report and i informed them that it should be send to XXXX XXXX  and they send the bill and XXXX XXXX paid the bill but they still have it on my credit report and i want it removed off my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Niagara Capital Associates, Inc.
State: NY

Complaint narrative:
THIS IS NEW INFORMATION REGARDING XXXX AND XXXX Account # XXXX I have have summitted the Cease and Desist letter recently as they have just received/signed it on XXXX so XXXX can not say I sent the same information before. I am waiting for the letter XXXX claim they sent on XX/XX/14 which I requested to cease all communication as well the Debt validation including the audit trail.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.

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 2022-03-16 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: LD Holdings Group, LLC
State: CT

Complaint narrative:
I've disputed this information with the credit reporting agencies, contacted LoanDepot via phone and certified mail. As of today no one at XXXX and delteepot can locate the negative information in their system. For one, the reported information is illegal, and violates my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ). I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''

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 2022-03-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief