vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I mailed letters to Equifax on XX/XX/XXXXXXXX  and again 90 days later and they are refusing to delete the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all these deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-22 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:
My cell phone was stolen on XX/XX/2023. A police report was filed immediately after the incident. Following the theft, I noticed that suspicious charges were occurring to both XXXX XXXX and XXXX XXXX. I contacted Truist Bank to shut down the account as soon as I realized that fraudulent charges were taking place. Truist credited my account {$4100.00} pending their investigation. I received a letter from Truist dated XX/XX/2023, stating that they had determined that the charges in question " Were authorized and an error did not occur ''. Truist debited my account {$4100.00}, putting me in a negative balance on XX/XX/2023. I went to the local Truist branch and spoke with the manager. He suggested that I send an email to appeal the decision. I attached a copy of the police report and the Police Officers contact information to the email. I wanted to ensure that Truist had proof that a crime had occurred and that an investigation was ongoing. I called Truist Monday, XX/XX/2023, to ask for an update. I was told verbally that my claim was reviewed for a second time and that their decision to deny the claim was final. 

In addition to calling Truist, I contacted both XXXX XXXX and XXXX XXXX. Because I had to purchase a new phone, I lost access to XXXX and was unable to recover information from my old phone. After spending several hours on the phone with customer service to try and retrieve the data, they concluded that they would not be able to assist 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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Specialized loan servicing purchased out loan while we were in forbearance and applying for help with XXXX XXXX. During COVID I lost my job and my husband took a XXXX reduction per month in pay while working more hours. Both my husband and I work in the hospitality business. When I called XXXX XXXX they said they could not help us as they sold the loan to make room for new loans coming in. They said that is a normal practice. When I called specialized loan servicing they said they do not offer the same help as XXXX  XXXX and I need to go through the court process. The court assigned a housing helper named XXXX. I met with her and she told me that she can't help us. Shortly after that my mom XXXX XXXX and my husband was XXXX XXXX XXXX. We were served papers our house was foreclosing on XX/XX/2023. After that we heard absolutely nothing. Yesterday I had XXXX gentleman come up to my door saying Friday our house is up for sheriff sale and we owe XXXX. First of all we do not owe that. We didn't even pay that for it. I have proof we XXXX even if you tack on legal fees there is no way. Second we were given no notice of a sheriff sale on XX/XX/2023. We were never offered help through any COVID relief which we were definitely affected by. Also we were finishing up paperwork with XXXX XXXX and then to have to restart with specialized loan servicing is not right. These XXXX mortgage companies clearly did illegal practices and took advantage of a family who was truly impacted by the XXXX down of COVID

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 2023-08-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card, balance XXXX XXXX  This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX  credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, if any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice, and I never authorized this agency to report on my consumer profile. I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
On XX/XX/2023 I attempted to deposit {$1400.00} in my account through the ATM @ Huntington Bank on XXXX in XXXX WV XXXX During this transaction the machine went haywire locking my card and part of my money in it. I received {$690.00} back from it however it kept the rest of the money which was {$770.00}. I stayed at the ATM machine and contacted customer service as it said to do so on the screen. While on the phone with them it released my card however I never received the remainder of my money. I went to the branch the next morning to be sure there had been a dispute filed and the lady working filed a dispute also and told me that yes when they counted the atm that morning there was indeed an overage. After several weeks and several calls and trips to the bank this issue still has not been solved and I keep receiving the run around. They have cost me additional money due to my vehicle payment being late because I still have not received this deposit in my account. Please Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I went to the hospital on XX/XX/2021 or so and I have dual insurance one with my job and the other with my wife. My insurance company contacted XXXX about the bill and ask therm to sent more info about the billing and they did not. I contacted my insurance provider to find out why it wasn't paid, and we told by my provider that they did not respond In a timely manner and that I am not responsible for this debt. I then ask for the EOB " Explanation of Benefits '' from my insurance company and i then sent it to Wakefield & Associates asking them to delete this off of collections & my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Reference to case file # XXXX I Previously submitted a complaint regarding Transunion inaccuracy on my credit report. In checking the status I noticed I stated the account was sold and settled with another company. However, that is how Transunion report shows. 
The account was settled and paid as agreed. 
I have submitted a request to correct several times with no success. Transunion indicates it was verified and correct. The receipt I uploaded obviously shows their report incorrect and/or impossible to have actually reached out to the company for verification. 
I have uploaded the receipt ( attached to this complaint as well ) As of XX/XX/2023 the report is still showing the same thing. They did not even send me an update of verification this time around. I had to go in and check that is was completed.

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 2023-08-22 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I filed bankruptcy and went in front the federal judge and got my student loans discharged through federal court and the dept of education wont accept the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX has failed to verify the debt reporting to Experian under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America has frozen, and begun the closure of my business bank accounts, effective XXXX, without notice. My bills, and outstanding payments are being returned, and I don't have access to my working capital. This is blatant discrimination and retaliatory, as a result of the complaints that I have submitted to the CFPB. 

There is currently an open complaint, regarding a previous banking error. Bank Of America has decided to retaliate against me, and close my XXXX business bank accounts, which have always been in good standing.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them 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 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
My wife was connected by XXXX  XXXX XXXX on XX/XX/XXXX. I have had no prior communication. Whatever account was not registered in her name or contact information. I reached out on XX/XX/XXXX for a debt validation letter. I haven't received one. Its has been over 5 days since requested or an option to dispute the debt. Stated debt was from XXXX XXXX XXXX, which I have never held debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXXR - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from 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 2023-08-22 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: FL

Complaint narrative:
I've tried reporting this information previously and it's coming to a point that I'm going to have to report this to the XXXX XXXX XXXX  and to small claims courts or whatever judicial entity I have to file to. 

As I was reading in the FCRA and the FDCPA and I found many discrepancies to the information. I have not furnished the information they've reported on my consumer report. Based on 15 USC 1681, 1692, 6801, 6802, 6803 and 6804, XXXX, XXXX and Transunion have broken the law with reporting things on my consumer report that was not furnished by me, nor did I approved them to furnish any of the information on my consumer report. 

All of the information listed below are bringing damages to my name and my ability to acquire credit at a better rate/term situation. Therefore, late payments, charge-offs, collections, high balances, personal information and inquiries, etc... need to be removed from my credit file. Third party companies have no ability of approval to report these items on my consumer report. 

These are the accounts that are causing defamation to my name : Account Name XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information to Remove Name Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inquiries Name Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief