vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I worked for American companies for 10 years and lived in XXXX for almost 7 years. 
Upon leaving the USA in 2012, I kept the bank account open so that in the future I could receive the monthly withdrawals of the XXXX funds, accumulated over the period worked By chance my account, which was at XXXX in XXXX, migrated to BB & T ( now Truist ). I made an agreement with the branch manager to keep the account open and leave the necessary amount so I don't have to pay any fees or expenses. 
I am an XXXX XXXX  and finally I returned to my country of origin ( XXXX ), because I intended to retire there. I'm currently XXXX and need to move money between accounts, ie XXXX or bank-banks... 
I opened a formal complaint with their central, but they didn't even give me any feedback... 
It's amazing how this company doesn't have a form of communication by email or even an ombudsman... nor did I receive any protocol number for my complaint... that is, XXXX quality control. 
Surfing at internet I found XXXX XXXX XXXX, which I made a compliant there ( case XXXX ), and lately I saw that an agency like CFPB exists. 
Just after making a compliant in XXXX  I received an email from a lady called XXXX XXXX ( client resolution senior specialist/client advocacy ), stating that they do not offer OTS Outside Transfer Service , for whom that having residence outside USA, even transfer between American banks our financial institution managing XXXX funds. See attached email. 
She stated that the only way to have access to my money is going to the branch what a surreal and inconsistent issue as I have XXXX even having all vaccination done ( three doses ) the Omicron is spreading to fast and it is a high risk for my life! I do not know why they can do that, impeding me to transfer online my money to another USA bank and obliging me, just going to that branch in Texas to solve that issue and having access to my money. I have bills to pay and this is imposing extra financial expenses, due to that lack of not having 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 explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm.com allowed my account to be hacked into. I once did have a valid one time line of credit with Affirm.com, but I paid it off in full. On XXXX someone used this should-of-been-closed Affirm account too buy laptop and micro wav at a XXXX. My XXXX XXXX  was getting ready to debit {$140.00} in my XXXX XXXX Account, but I was able to put stop payment in place. Affirm.com told me the account was hacked and gave me a XXXX XXXX  link where it started. I begged Affirm.com to shout down my old account yet it remain open. On XXXX the same day issue came to light I opened dispute case in this matter with Affirm.com, and they claimed they would email me a reply within a week. To this day Affirm.com has not gotten back with me. I managed to view a copy of my credit report and there's no record of any new line of credit with XXXX of Affirm.com! But someone is still trying to reenable my bank auto bill pay on this hacked XXXX issue! Call Affirm.com few time more, but they will not confirm account legally closed! Also when I opened my real Affirm account for credit on a watch at XXXX & XXXX I made one extra payment before it was due but I never saw credit for extra payment at payoff time. I want account closed and balance due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
reporting incorrect credt availability on several accounts reporting incorrect credit balances on several 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 2022-01-14 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've asked XXXX and Transunion to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY XXXX or XXXX XXXX company. 

I also received a letter from TRANSUNION saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did XXXX and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've asked Experian and XXXX to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY XXXX or 3rd PARTY company. 

I also received a letter from XXXX saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did XXXX and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!

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 2022-01-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter XX/XX/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: PA

Complaint narrative:
I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter XX/XX/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.

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 2022-01-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have one late payment in 2020 during the COVID period, XXXX XXXX  XXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
{$390.00} is what I owe to get my bank account up out of the negatives but I never did it so they put it towards my new account

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 2022-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with CAPITAL ONE. The line of credit I have with CAPITAL ONE is characterized as utilization on my consumer reports. CAPITAL ONE IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : CAPITAL ONE credit card, CAPITAL ONE is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( XXXX ) and the person ( CAPITAL ONE ) making the report is NOT INCLUDED on my consumer report Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( CAPITAL ONE ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! CAPITAL ONE HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to CAPITAL ONE expressing my concerns via XXXX tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: PA

Complaint narrative:
I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter 12/20/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.

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 2022-01-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation