vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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:
My husband and me went in lobby to withdraw {$11000.00} XX/XX/2023 at XXXX XXXX. The teller only gave me {$10000.00}. We didn't realize until we arrived home and opened folder. I immediately called bank since I live 30 minutes away, I was told my teller had gone home for day so they would call me next morning. I waited the next morning and got no call so headed to bank. I spoke with XXXX XXXX the branch leader. We counted the money together and both verified it was short {$1000.00}. He said he would start an investigation. I brought to his attention that the teller was not very focused on my transaction and was instead complaining of coworkers to drive through tellers. I mentioned my teller asked drive through teller to borrow the {$800.00} for my transaction to help the investigation. Days passed and I got no news so I went to bank again, and XXXX said his superiors would be in the next day to watch cameras. I got a call the next day XXXX said no error was detected. I asked to be allowed to watch cameras he said I would need to hire an attorney. I know that cameras should clearly show the bundle of {$10000.00} she grabbed and obviously where she borrowed the {$800.00} from drive through teller so where is the {$1000.00}? I sold my vehicle to pay off debt and that is how I had that money ; I don't have money to hire attorney and find it very unfair that bank handles business this way. I know I was short serviced and camera viewing would show it. If banks wasn't t hiding nothing, why act this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had XXXX separate student loans that were past due beginning XX/XX/XXXX and brought current in XX/XX/XXXX. My credit report says they were past due for 90 days in XX/XX/XXXX, implying a beginning past due date of XX/XX/XXXX, which is incorrect. 

I have statements and notification emails proving the late payments were from XXXX XXXX XXXX and not XXXX XXXX XXXX. 

At XXXX loans with XXXX false " past due '' monthly marks on my credit history, this is XXXX false missed payments that are damaging my credit score. 

The loans were originally with XXXX, but my servicer was switched to XXXX in XXXX. I have XXXX documentation letters from XXXX but the loans on my credit report may indicate that they are with XXXX ; they are the same debts, transferred to a new company. I have a statement about this attached. 

The disputes with Experian were first opened at XXXX XXXX and " resolved '' by XXXX XXXX ( screenshot attached ). Nothing changed on my credit report. I was given a " before and after '' report, in all XXXX instances the before and after were identical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The boxes I checked above are as close as I can get to my complaint, but they are not accurate and I couldnt leave them blank. I was scammed by XXXX XXXX  who spend their time ripping American people out of their money. They took over my computer, transferred money from my credit card to my checking account then transferred some back to my credit card, they changed my password so I couldnt get into my account to see what was going on. They told me I had to purchase gift cards to pay back {$4000.00} that they said I took from their account. I panicked and did what they told me. Not at any time while they were moving and changing my account did I get a message from Wells Fargo for security codes like I do with all my other accounts I have. Finally XXXX hours later someone from Wells Fargo called my husbands phone and told him we were being scammed. It was too late by then. I know I should not have listened to them but they were so convincing that I had taken their money. I wrote to your offices and talked to XXXX different people but got no results. I closed all my accounts with WellsFargo and am so thankful I did. I opened checking and credit cards with XXXX other large banks and their security is tight and checks me all the time. I also know that you have insurance to back customers when they are scammed out of money, but your bank did nothing to help me. I wanted to let you know after the fact. I have never gotten over this {$3300.00} loss to my account and knowing how I allowed those people to hurt me and my husband. I continue to get scamming emails daily from these ruthless people, but now I have enough sense to erase all emails and texts from them. I only hope that your present customers are protected by you more securely than I was. When I hear negative things about Wells Fargo I chuckle and am thankful to not be doing business with you. You can check my dealings with you if youre interested. Im sure my info is still in your system. I was a customer for many years. I even had a large mortgage with you. Thanks for listening!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing this letter to demand the immediate removal of accounts that have been unlawfully placed on my credit report as a means to extort me. These accounts are as follows : A pass due bill of {$870.00} that was placed by XXXX XXXX XXXX ; to this account I am enforcing all of the codes of the Fair Credit Reporting Act, but especially code 15 { 681 }. Due to the fact that XXXX XXXX XXXX is a Telecommunications corporation and not a bank or a lending institution that extended a loan or line of credit. Therefore they are barred by from putting a closed account on my reports. 

The second account is an American Express Business Credit card debt of {$1300.00} that was assigned to my limited liability Corporation. I am protected by various federal and state financial laws due to the fact that this debt is assigned to the L.L.C. that protects me from creditors coming after my personal assets ; the debt belongs to the L.L.C. as an entity not myself. The F.C.R.A. declares that my credit score is a personal asset. 

Please contact the credit reporting agencies and as a federal bureau enforce them to remove these accounts. 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
I have a zombie second mortgage I'm being sued for in the county I live it. The property went into default in XXXX and it was foreclosed on in XXXX. I was evicted from the property and have not heard anything on this debt from XXXX. I have since moved on and was not aware of this debt. It was removed from my credit history and I have been able to rebuild my credit and purchase a new home. 

The suit claims it is with XXXXXXXX XXXX XXXXXXXX. Even though I was working with XXXX XXXX at the time to refinance the mortgage. However, in XXXX I received a car loan from that same bank. They didn't flag my information at that time to inform me that I owed XXXXXXXX XXXX XXXX. 

I though this mortgage crisis was behind all of us. The banks got away with it. None of them when to jail for mortgage fraud or predatory lending. The servicers didn't work with borrowers in good faith at the time of this crisis. So much for HAMP and 2MP. The banks get the bail out and we still have to deal with the mess 14 years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
My debit card and credit card was stolen, I disputed all the charges but South State Bank claims to not be able to credit me for {$480.00} because they have supporting evidence as to why I cant be credited claiming it to not have been a mistake. When I called a few days after I had disputed the charges to get an update, the man on the phone told me that the investigation was closed and he would have an amount credited to me soon but didnt tell me the amount, when I went in he told me they were still investigating and I could only be credited {$470.00} and {$810.00} but not the {$480.00}. I requested the evidence as to why I wasnt receiving all my money and he told me it would be mailed to me and I could call the number listed on the paper for some answers. In the mail I received the same paper that I received from the bank that just had the list of charges that they wont credit me for and when I called the number listed on the papers I received, they said they could not help me or give me any information. Ive been calling and speaking to different people from the bank for over a week and most recently I was told that I would have to physically go into each place that the charges came from and dispute them there which I have no idea where to even go being that it was not me who made the payments I have spoken to several individuals w in my bank and customer service and have also gone into the bank twice and no one has any evidence nor any information on why the money isnt credited back to me or what I could do or who I could speak with in order to get the rest of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal Notice of Claim for Harm and Demand for the immediate removal of derogatory remarks listed on my credit report, which have significantly impeded my pursuit of happiness and financial stability. 

On XX/XX/2024, I obtained a copy of my credit report from TransUnion and upon review, I discovered several derogatory remarks and accounts that are inaccurately reported. These remarks include : XXXX XXXX XXXX : all late payment remarks need to be removed from this account and updated to current. 
XXXX XXXX : There is NO SUCH code mentioned in the TransUnion manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX : There is NO SUCH code mentioned in the TransUnion manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the 50 states nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 
XXXX XXXX XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the 50 states, nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 

These blatant inaccuracies have caused detrimental harm within my day to day and on my credit score and financial reputation, making it difficult for me to access credit, secure loans, or obtain favorable terms for various financial transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a mortgage with truist my mortgage payments have not been reported since XXXX  I called the mortgage company they told me to file a credit dispute they sent me a letter acknowledge that the information but still have not reported it to the credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX has contacted my number on three separate occasions without my explicit consent, and I have not engaged in any business dealings with this company. On XX/XX/2024, I formally requested that they cease and desist from further communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX The accounts listed above 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EXPERIAN DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, 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