vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
After carefully reviewing my credit profile, there is a fraudulent account showing on my credit report. Once again I am a victim of identity theft and this account was not done by me, nor is it my account it is identity theft and ask that ALL items be removed and deleted off my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX or XXXX XXXX XXXX XXXX, VA XXXX Re : XXXX XXXX XXXX. Account # XXXXNotice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been a loyal customer of Truist Bank for over 35 years, with four active accounts at your XXXX, VA branch. I have always trusted Truist with my banking needs, but my recent experience at this branch was deeply disappointing and unacceptable. 

On XX/XX/year> at XXXX XXXX., I visited the branch located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX to exchange XXXX XXXXr bills for a XXXX XXXXl after using the ATM outside. When I approached an employee inside the bank to make this request, another employee standing nearby abruptly asked if I had an account with Truist. I informed them that I have four accounts. Despite this, they continued to ask for further identification, even though, they should not ask too many questions. 

At that point, I felt the line of questioning was excessive and unnecessary. Frustrated, I decided to retrieve my twenties and leave. However, I later returned to speak with the branch manager to express my concerns. Upon returning, I was told to sit down and wait, and when the manager arrived, his behavior was shockingly rude and unprofessional. Instead of addressing my concern, the manager loudly stated that if I didnt sit down, he would call the police. This aggressive and inappropriate response left me feeling humiliated and disrespected. 

I am incredibly disappointed with the lack of courtesy and professionalism displayed by the staff and manager at this branch. As a long-time customer, I expect to be treated with respect and dignity, not to be met with hostility or threats when addressing a simple concern. 

I urge you to address this situation promptly. I expect to receive an apology from the Branch Manager. I believe all customers, regardless of the nature of their visit, deserve to be treated with respect. If this issue is not resolved to my satisfaction, I will consider escalating my complaint further.

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 2024-10-18 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found several billing mistakes. The late payments listed dont align with my usual payment habits. Kindly correct these errors and update my account accordingly. 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and found several billing mistakes. The late payments listed dont align with my usual payment habits. Kindly correct these errors and update my account accordingly. 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 explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PayTomorrow, LLC
State: UT

Complaint narrative:
I am writing to file a formal complaint regarding PayTomorrows deceptive loan and lease terms, which have negatively impacted my credit and overall financial situation. I initially financed a purchase through PayTomorrow, and at the time of applying, I was led to believe that my payments were structured as a simple loan repayment. However, I later discovered that I had not only a loan but also a lease associated with my account, resulting in unexpected payments.

The terms of the agreement were not clearly communicated during the application process, and at no point was I made aware that the {$75.00} weekly payments were required, instead of the XXXX XXXX  monthly payments I was originally told. This misunderstanding resulted in several late payments being reported to the credit bureaus, causing damage to my credit score. Despite my best efforts to resolve the issue, including paying off the balance in full and sending multiple goodwill letters, PayTomorrow has been unresponsive and unwilling to assist with removing the negative items from my credit report. 

Furthermore, I have come across numerous complaints from other customers who experienced similar confusion about PayTomorrows loan and lease terms. It appears that PayTomorrow consistently fails to disclose critical information about its financing structures, which is misleading and predatory. The companys lack of communication when payments are incorrect, and failure to respond to customer concerns, is unacceptable. 

I am requesting that PayTomorrow remove the late payments from my credit report, as they were a result of unclear and misleading loan terms. Additionally, I urge PayTomorrow to review its communication practices and improve transparency for future customers to prevent similar issues. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: AZ

Complaint narrative:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2024-10-18 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( 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.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found accounts on my recent credit report that I believe were added without my consent and are incorrect. I am requesting that they be blocked and removed at once.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ATTN : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Re : XXXX XXXX XXXX. Account # XXXXNotice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My bank closed my account and removed me from all banking services. I explained that my funds were from a legitimate company in my country. I was assisting only as an intermediary to use the money to buy machinery in XXXX. Even though we explained, the bank in my country sent out information regarding the money precedence. I opened another account at Citibank and as soon as I deposited XXXX dollars on my savings account they closed the account and no money was given back. Without a valid explanation or pre-calling me to ask me if the money from I was denied services at the bank too. I am bankless. no money on my hand. Not able to use my card. Please help me out I prefer in XXXX. 

thanks.

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 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: IA

Complaint narrative:
My account was stolen and fraudulent activities have been on my account and when I contact self financial, they told me that I accumulated a lot of interest charges and also they will be closing my account in seven days if I dont make a payment and also I will lose my deposit and also I have a credit builder account and was told I can not get information about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: AR

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: The Aligned Company DBA Extra
State: MI

Complaint narrative:
on XX/XX/year> XXXX sent a refund in the amount of {$220.00} to my account through Extra XXXX XXXX that I no longer have as I closed the account several months ago. I contacted Extra to see what needed to be done to get the refund sent back to my priary bank ccount which the extra acount was linked to and I was told that it hould be processed and on it's way back to me in XXXX business days. Then that became XXXX business days. The they tried to tell me that it had been sent which it was not as my back verified that nothing had been sent to my account by Extra XXXX XXXX ( see attachments from bank account showing nothing from extra ). I have contacted them over and over again about this and all I continue to be given is more excuses about their system processing everythin and that they will get back to me which they don't as I end up having to contac them over and over again asking the same question regarding what is the hold up as it's now been XXXX weeks since this all began. And i've explained to them that my patiance is really thin at this point as it does not take this length of time to refund someone their money. They have NO RIGHT to continue holding it and I simply want my money returned to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: PA

Complaint narrative:
Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX unauthorised Hard enquiries on my account which are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have discovered an account on my credit report that does not belong to me. This account is being reported in my name, which is a significant error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> STELLANTIS - XX/XX/year> ALLYFINANC - XX/XX/year> XXXX - XX/XX/year> FLAGSHIPCR - XX/XX/year> XXXX - XX/XX/year> SYNCB/LOWE - XX/XX/year> ALLYFINANC - XX/XX/year> XXXX AUTO - XX/XX/year> STELLANTIS - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
MOHELA recently upgraded their systems and triggered an Administrative Forbearance in XXXX. After this forbearance period, my student loan payments ( which were on autopayment ) were deducted out of my checking account, but not applied to my student loan balance. I have confirmed with MOHELA that they have received the funds but will need to work to 'rebuild ' my account to have them applied.

Additionally, I was charged interest during the Administrative Forbearance period. I did not elect to go on this forbearance, and they stopped taking funds from my account for the months of XXXX and XXXX. This ( combined with not applying my payments to my account ) caused interest to become capitalized on my principal, INCREASING my student loan debt. I have worked quite hard to pay these loans off and have already paid more than the original balance. It feels like a slap in the face from the company that sued the federal government to prevent student loan forgiveness ( but that is another tangent ). 

I called them on XX/XX/year>, and after waiting on hold for 75 minutes, having the call disconnected, then calling back and waiting 90 minutes, was finally able to talk to a representative. Once on the phone, the reps were polite, and attempted to help, but I am not sure when or if my request will actually be processed.

Payments were withdrawn out of my bank account on XX/XX/year> & XX/XX/year> in the amount of {$450.00}. Interest was capitalized on XX/XX/year> ( {$180.00} ), and two supplemental payments made on XX/XX/year> & XX/XX/year> in the amount of {$410.00} showed an interest applied of {$70.00} & {$70.00} respectively

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation