vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Back on XX/XX/2022, I received an email from National Credit Adjusters , LLC, with regard to an alleged debt I owed. On XX/XX/2022, I sent them a debt validation ( dispute ) letter with regard to the debt through XXXX XXXX XXXX I got a tracking number and saw that it was delivered to the XXXX XXXX they listed on XX/XX/2022, well within range of the XXXX XXXX  I get to dispute the debt. Now fast-forward to XX/XX/2022, and I have yet to receive anything validating this debt. I requested that verification of debt be sent to me within XXXX XXXX of my letter, to which they have failed to do. At this point they are well past the XXXX XXXX they have to verify this debt, as such this debt has been deemed invalid. 

I will attach the tracking number along with the tracking slip showing my letter was sent and received by them. I am also attaching the letter I had send to them on XX/XX/2022, requesting validation of this debt. I am also attaching the XXXX  letter requesting they forward correspondences to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Reported XXXX XXXX on XXXX XXXX after I reached out several times to the company explain to him this is not my debt identity theft whom ever open a fruad account bad deceptive business practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022, I attempted to open a Truist Dimension Checking account online, and it was successful. I made a deposit of {$50.00} into my account to start it off. However, when I tried to log back in, it wouldn't let me. That's when I had found out that my email and bank account was compromised. I immediately alerted Truist, and they had given me a phone call and a link to verify myself. In the link, I had to upload a picture of my face with my photo ID. For some reason, they were not able to verify me despite my efforts to verify myself. I had visited a local branch in XXXX, but she had failed to verify me as well. The account was locked down. I could not go into my account, make changes, close or even deposit funds into it. 
In my frustration and needing a joint bank account with my boyfriend, we had visited another branch of Truist Bank on XX/XX/2022. I was helped by a banker, XXXX XXXX and he proceeded to open us another bank account, a Truist One Checking account. He had verified both of us and successfully opened the account which I then used. 
After multiple attempts to call them to verify me and visiting local branches, they still failed to verify me until XX/XX/2022. I visited the XXXX XXXX branch of Truist. The bank verified me successfully, and that's when I had found out that my account was charged " maintenance fees '' even when the account was locked down and I had no access to the account. I tried to dispute the charges for the maintenance fees because 1. I did not have access to the account, including depositing any money into it 2. It does not make sense for me to pay maintenance fee for an account that was locked and unused and lastly 3. Even if I had access to the account, I requested to close the account multiple times, in which they repeatedly told me I could not until I verify my identity despite attempting to verify myself with my driver 's license, permanent resident card, social security card and an active passport. 
A total of {$80.00} dollars of maintenance fees were charged between XXXX through XXXX, {$20.00} of maintenance fee per month. I was refused dispute of the maintenance charges despite not having access to the account, and they refused to close my account if I did not pay the {$30.00} worth of maintenance fee and also refused to refund my original {$50.00} that I had put into the account when I initially opened it. 
I am so upset and disappointed with the way Truist bank operates, and even with my active account, I still have problems with it all the time. It's certain that I am never going to bank with Truist again because of their practices, lack of customer service and ignorance in handling particular situations.

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 2022-11-12 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: GA

Complaint narrative:
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # 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 2022-11-12 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: GA

Complaint narrative:
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # 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 2022-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
The last payment was made on XX/XX/2022 and on XX/XX/2022 the company reported my account as be delinquent. which changed my credit scores by XXXX points this is not fair. Resulting in my XXXX  at XXXX and is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has stated to the credit bureaus for several months that my account was properly investigated and updated but how is this possible if this account is reporting inaccurate high balance, inaccurate date of last activity, inaccurate payment history, and reporting both open and closed. This is ground for removal the also violated my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy

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 2022-11-12 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: AL

Complaint narrative:
Oh I looked at my credit report and there are two hard inquiries from XXXX XXXXXXXX on my credit report that were recently put on there I did not apply for these. I do not know why they are there I do not have any credit cards with XXXX XXXXXXXX I have called XXXX several times I can not get a person on the phone over and over again I am trying everything I can do to have these removed but I can not get any help from them

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 2022-11-12 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:
Oh I looked at my credit report and there are two hard inquiries from XXXX XXXXXXXX on my credit report that were recently put on there I did not apply for these. I do not know why they are there I do not have any credit cards with XXXX XXXXXXXX I have called XXXX several times I can not get a person on the phone over and over again I am trying everything I can do to have these removed but I can not get any help from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Oh I looked at my credit report and there are two hard inquiries from XXXX  XXXX on my credit report that were recently put on there I did not apply for these. I do not know why they are there I do not have any credit cards with XXXX  XXXX I have called Experian several times I can not get a person on the phone over and over again I am trying everything I can do to have these removed but I can not get any help from them

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 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened an account in XXXX with Chase to obtain the checking account bonus of {$220.00} for opening an account and direct depositing {$500.00} a month for XXXX months into that account... The promo code entered was XXXX. 

Every month {$500.00} was deposited into that account from my employers account, and when I called Chase to ask why they hadn't funded my bonus yet they stated that my employer was not an employer... Which I have evidence directly refuting that claim attached to this complaint. 

I would like my {$220.00} bonus for completing the requisite milestones to complete the bonus... You have refused to provide my money citing incorrectly the validity of my employer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX. By law it requires more than three members, managers and employees, so the bank is incorrect in stating I am a sole proprietor as the reason to deny paying me my bonus. 

Pay {$220.00} or go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ( REMOVE ACCOUNT IMMEDIATELY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ( REMOVE ACCOUNT IMMEDIATELY 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 2022-11-12 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sir/madam, Thanks for your time. 
I encountered a fraud of BOA debit card and credit card at the same time of XXXX, the debit card fraud money was returned after my complaint, however, my credit card fraud money ( {$2900.00} ) was given credit to me at first and then charged back at XX/XX/22. The BOA account 's transaction of XXXX are not authorized by me, I didnt do anything to it and didn't get any reminding of it. So the transactions are obvious a fraud and it's unfair to charge me the money.

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 2022-11-12 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover has stated to the credit bureaus for several months that my account was properly investigated and update but how is that possible if this about is reporting inaccurate high balance, inaccurate date of last activity, inaccurate payment history, and inaccurate last payment date. This is ground for removal. This also violate my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have a credit card with XXXX XXXX XXXX through XXXX. The card account was transferred to Comenity Bank without my knowledge or permission. They said they sent a letter to my address but I did not receive it. They sent an email today saying I needed to activate a credit card - which I did not request - and that was the first I knew that this happened. I can no longer access the account through XXXX XXXX XXXX the online access says they do not recognize the account. The card issued by Comenity is being used but not by me as there was a transaction on the card in XX/XX/2022. When I requested a physical address from Comenity to send a certified, return receipt requested letter, they refused to give me a physical address. They said they only have a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc.
State: OH

Complaint narrative:
I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. Self lender isnt reporting an account to XXXX im on month 4 I deserve a special reporting for the inconvenience. XXXX  hasnt updated a balance in months its supposed to be {$480.00} on all 3 bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what self lender is supposed to look like on all 3 bureaus. Please report a complete file to both XXXX and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB management has been report wrongful information over several months to XXXX if after being deleted from both XXXX and XXXX credit report. This is ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 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.

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 2022-11-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern XXXX While checking my most recent XXXX credit report, I noticed credit inquiries that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and a serious breach of privacy rights. Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.Attached are copies of my state ID and bank statement to confirm my address.Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-11-12 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
CB/Carson 's has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXXi applied for an auto loan from XXXX XXXX XXXX XXXX XXXX  in XXXX.I was told I was denied by pnc bank.i contacted pnc bank to know reasons of denial and was told factors on my credit.i explained to pnc that these are factors but are not determining factors.according to law cfr 12 part 1002 b no applicant can be discriminated against for any aspect of a credit transaction.pnc bank also are in violation of usc 15 1611 1-3 of willfully and knowing violation being under the truth in lending act.

Company response to consumer: Closed with explanation