vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have been a customer of Citizens Bank for over 20 years. 

On XX/XX/XXXX, I made a cash deposit to the Citizens Bank ATM located at XXXX XXXX XXXX in XXXX, MA at XXXXXXXX XXXX The machine malfunctioned and did not properly credit my account. It retained {$7.00} of my cash that was not properly credited to my account. 

When I reported this by telephone on XX/XX/XXXX to Citizens Bank customer service, I was informed that my claim ( XXXX ) would be investigated. Citizens Bank then wrote me a letter stating that {$7.00} was credited to my account, however the {$7.00} to which they referred was a deposit that I made the same day but earlier in the evening at a different ATM ( XXXX XXXX XXXX ; after my work day ended ). This {$7.00} amount was simply a coincidence. 

To date, despite my making several phone calls and a visit to the Citizens Branch at XXXX XXXX XXXX, Citizens Bank has refused to refused to provide accurate accounting for my ATM transactions at XXXX XXXX XXXX in XXXX, MA, on the night of XX/XX/XXXX. The machine shut down while I was using it and stopped accepting cash deposits ; clearly it malfunctioned. 

Each work day, I earn cash gratuities in my job as a Narrator at XXXX XXXX XXXX and it is not convenient to visit the Citizen Bank branch in person, since it is only open when I am performing for tourists in XXXX during the work day. 

Citizens Bank needs responsible accounting/audit trails for when their ATM 's malfunction and staff who are willing and able to work with long-term customers when mistakes happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received my credit report from transunion and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you ( transunion ) reporting ( income ) on my canceled debt of XXXX from XXXX XXXX XXXX XXXX  this amount is absolutely not accurate please explain

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Charlottesville Bureau of Credits, Inc
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: UT

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report and discrepancies in the payment history of an account with XXXX XXXX XXXX. The details are as follows : Creditor : XXXX XXXX XXXX Current Balance : {$16000.00} Discrepancy : The account is reported as charged off with a balance of {$16000.00} as of XX/XX/XXXX. 
Charge offs must reflect a {$0.00} balance since it was written off and 1099-c distributed. 

Additionally, the payment history provided by XXXX shows inconsistent balance reductions despite regular and extra payments. 
For instance : XX/XX/XXXX : The balance was {$22000.00} with a payment of {$990.00}. 
XX/XX/XXXX : The balance was {$22000.00} after a {$500.00} payment, which should have resulted in a lower balance. 
XX/XX/XXXX : The balance was {$21000.00} after a {$1000.00} payment, which was not accurately reflected. 
XX/XX/XXXX : The balance was {$22000.00} despite multiple payments, indicating that total payments were not effectively reducing the balance. 

Despite my efforts to dispute this information, the credit bureaus and XXXX have failed to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis reported to XXXX XXXX company that I was in an auto accident in XXXX of 2023. I had not had an auto accident at all in that calendar year. Please contact them and have that information removed. My husband and I have been unable to reach a representative at LexisNexis secondary to their answering machine only having options to request information. Their website is only able to be used if you have purchased one of their products. 

This information is false and leads to higher auto insurance rates for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had XXXX charge me for a home phone which I never had. It was for XXXX dollars. 
I had only a cell phone with them. 
It came off my credit report but now was sold to a company XXXX XXXX and XXXX took it off again. But XXXX and transition wont. Im not happy that I pay for their services and there not protecting me. 
Again that is not my bill. 
Thank you

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 2024-07-28 00:00:00
Product: Credit reporting 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> GLOBALLEND Dear Credit Bureau, I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Unexpected fees — 
Company: Tri-Emerald Financial Group, Inc.
State: WA

Complaint narrative:
After several attempts to receive a refund after my card account Was double charged close to {$700.00} worth of double charges on each occasion, it is clear that the money was debited however the ATM declined my transaction. I have been in great communication immediately as I noticed the charges were doubled and spoke with XXXX XXXX XXXX  XXXX. Sent them in all required documentation regarding the fact that the ATM declined the transaction yet still debited the amount from my account causing me to attempt to try again, knowing the money is in my account, and then it dispersing the money. The second time Ive sent proof of all receipts showing XXXX dollars for disbursed. Meanwhile, the amount was debited twice from my account. I will attach documentation to prove this.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-28 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-07-28 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: OR

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information on my credit report that violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( b ). Specifically, there are multiple child support accounts listed on my report, which should not be classified as credit transactions but as judgments. This is supported by case law, including Maria E. Pintos v. Pacific Creditors Association and Kevin D. Miller v. Trans Union LLC.

According to FCRA laws 15 USC 1681 ( a ) ( 2 ), credit bureaus must maintain accurate and reliable records. Therefore, I request the immediate deletion of these child support accounts from my credit file. As per the case Kenneth McCready vs. Linebarger Goggan Blair & Sampson , LLP, judgments are not considered credit transactions, making their inclusion on my report illegal and adversely affecting my credit score. 

I request the following : Documentation used to verify the disputed accounts. 
The name, business address, and contact information of the person who verified these accounts. 
Specific details on the verification process used. 
Blacks Law Dictionary defines verify as confirming or establishing the truth. This requires your company to produce documentation proving the account ( s ) in dispute belong to me and ensure the reported information is accurate. This should be verifiable in a court of law if necessary, with someone who has firsthand knowledge authenticating the documents under oath and penalty of perjury.

I trust that Equifax, as a Consumer Reporting Agency, understands its responsibility to ensure report accuracy beyond merely repeating information from other sources. Per federal case law and the National Consumer Assistance Plan, credit reporting should be accurate and facilitate error correction. 

Please address this matter promptly and remove the inaccurate information. I look forward to your confirmation within 30 days. Delete DEPT OF JUSTICE Child Support Account : : # XXXX Account # XXXX Account # XXXX Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-28 00:00:00
Product: Credit reporting 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXXXXXX XXXX XXXXXXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, Transworld Systems Inc. bal. {$340.00}. 

Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXXXXXX XXXX XXXXXXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, XXXX XXXX XXXX bal. {$340.00}. 

Thanks for your prompt attention to this matter.

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 2024-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This is not a loan, this is an investment. Company refuses to send the original contract. I was lead to believe I was getting a loan, but instead it was an investment.

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