vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
This is a response for a complaint ( that was submitted XX/XX/2022 ). In regards to complaint number XXXX. PNC closed my account on XX/XX/XXXX after I was insulted for my XXXX orientation by a XXXX XXXX ( supervisor at there corporate location ). She was coy in saying it was " good for people like me '' to be " empowered because of services like The CFPB to report improprieties. So I simply told her that she had no value in life and she probably slept around to get her position ... ..Well a few days later my account was deactivated and I was sent correspondence telling me that the rest of my funds would be sent no later than XX/XX/XXXX. As of XX/XX/2022 I still haven't received the remainder of my funds. I believe I had {$220.00} left over at the time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-15 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: WI

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AZ

Complaint narrative:
Transunion reported my FICO score as XXXX on the XXXX of XXXX, on XX/XX/XXXX Transunion reported my FICO score as XXXX, XXXX point difference in 3 days, my problem is that nothing changed on my credit bureau whatsoever, not one minute thing! My score factor stated that I had no loans for a long enough period of time, my length of credit was 11 years. They also stated I had delinquency, I have no delinquency whatsoever. I contacted Transunion and they stated they don't know why this happened! They use FICO score 3, the same as XXXX and XXXX, my scores from those 2 bureau average XXXX and contain the exact same information as Transunion. This is causing me an issue regarding obtaining a better interest rate.

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 2022-02-15 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My issue involves overdraft fees being charged, even after Ive opted OUT of over-draft protection and the bank processing payments in such a way that maximizes their ability to charge over draft fees. The bank in question is Truist bank. I do have documents showing these occurrences if they are needed. Per the regulation passed in 2010 ; banks can not charge over draft fees unless a client opts in or if they have opted in then decides to opt out. Unless its considered a recurring transaction. Truist is charging over draft fees not only on recurring transactions, but also basic 5-10 dollar transactions for people that have not requested over draft protection and they do it in such a way that maximizes the fees they are able to charge. For example : Lets say I have {$35.00} left in my bank account and I buy 4 items. The item prices are {$35.00}, {$5.00}, {$5.00}, and {$5.00}. Instead of the bank processing the three {$5.00} charges and then the {$35.00} charge, which would result in one overdraft fee for the {$35.00} charge, they will purposely process the {$35.00} charge first and then the three {$5.00} charges, so theyre able to charge three overdraft fees totaling {$96.00} instead of just one for {$32.00}, even though I bought the three {$5.00} items first. I tested this theory on 4 different occasions and they processed the lesser charges last every time, as to maximize their over draft charges. These practices are not only unethical theyre unlawful. Feel free to contact me if you need the proof. Something needs to be done about this. I am submitting this request in behalf of about 55 other people who are having the same issues with the same bank, with no telling how many more. Truist is using whatever methods they can to get around the regulations passed in 2010 regarding over draft fees.Again I do have evidence of all this, but I am going to wait to submit until someone contacts me and requests them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraud Department : Remove fraudulent accounts from my credit report.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have an Amazon Store Card through Synchrony bank. During the time frame of statement ending date XX/XX/XXXX, I made multiple payments because I was hitting the credit limit. Specifically, I made XXXX extra payments, one each time I hit the credit limit. 

The problem is that Synchrony wildly misallocated these payments. Primarily, they allocated almost all of my payment to zero percent APR promotions and not to the regular, due immediately balance. This has caused two major issues, one is that they've transferred a large amount of the balances from zero percent APR promotions to regular due immediately balance, effectively making me lose these APR promotions. The second issue is they have charged me incorrect interest charges. 

They agreed to fix the errors, without any detail, and their adjustments were applied on statement ending XX/XX/XXXX. However, the balances are still incorrect even after their adjustments. They're closer, for sure, but still wrong by about {$700.00}. I contacted Synchrony yet again, pointing out that the balances are still incorrect, and they have denied it and refuse to fix it. I have made a spreadsheet showing in detail what the balances should be, which was sent to them. They didn't care. I looked up your agency because I feel that this is directly related to the standard allocation requirements for credit card payments, which is apparently enforced by your agency. I am attaching my spreadsheet with notes, and I am also attaching the relevant statements received from the vendor so you can see them. 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 monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I was notified by Equifax Credit Corp. that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to Equifax showing the bill had been paid. I also contacted XXXX XXXX on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to Equifax Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Compass Bank which changed over there name to BBVA USA Consumer Accounts. There were two personal accounts. Which were called CD they were purchased at different times. The teller who did the accounts never posted the second account correctly. And the second account is now lost or stolen by PNC Bank N.A.Consumer Account.BBVA USA Consumer Account defrauded myself and someone else by transition To PNC Bank. N.A Consumer Accounts. And there stating never been found or it has been a mistake on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: OH

Complaint narrative:
I received a letter in the mail from Stuart-Lippman and associates inc. on XX/XX/2021 stating that I some how owe XXXX XXXX {$1400.00} from XX/XX/XXXX XXXX which is not true seeing how I never owned a car let alone car insurance, I don't even have a license. What they are trying to collect is fraudulent and I refuse to pay for something that I don't have and never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
The company is Affirm, which I found when my credit score dropped. I have never had an account, inquired about one, never had any association with this company. I now, XX/XX/XXXX, Since XX/XX/XXXX, still have this reported on my credit report as a delinquent account for the past 4 months will no help to look into this. I have contacted Affirm, the first 3 times I was actually told that there was no account, and they confirmed not finding any accounts under my information. I asked for a letter stated this to turn into XXXX, never received anything. I have called XXXX, filed numerous disputes, one after another, even while they were still under dispute. I also contacted XXXX by phone several times, and by mail. Since this started, I now have the delinquent status over 90 days, been turned down for 3 loans I was trying to acquire. I just started a business, this impacted the business accounts that I was working through. Affirm slowly got my information each time I called to have this matter resolved, and actually used it to attach to this account. Both XXXX and Affirm tried to help, listen, or otherwise care what it was doing to my personal status. I have a 100 % on time payment history with 4 different accounts, why on earth would I use this company first of all, and why would I risk or harm my history of excellent standing with the creditors from which I hold actual legitimate accounts. That should have been the first red flag to XXXX that something didn't look right. Instead they blew me off, their only offer of any kind of help was to tell me to file a dispute, and then proceeded to ask me to submit supporting documents/information. Well that would be fine not to mention a simple solution except I NEVER had an account with Affirm therefore what was it they supposed I should come up with to confirm??? Well, I can count on two hands the number of disputes, back to back and during the others. HINT! Red flag number two!! It is a very sad situation to have to feel so helpless when you are supposed to have trust in the credit reporting companies, and even sadder when your livelihood is left in their hands. I can't go back in time and restart my business, let alone the years it took to get my credit to where it was. I took much pride in accomplishing that score and accumulating history to back up my good standing, and now I am left with anger, disgust and a sour taste for future dealings with our credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for XXXX XXXX dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file

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 2022-02-15 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: WI

Complaint narrative:
I was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for two thousand dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was incarcerated for XXXX years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for XXXX XXXX dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy Experian now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file

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