vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On numerous occasions I have looked at my account on line and everything is fine, this is usually after midnight.only to later in am to see that transactions posted the previous day, even though that same day they show no record of it online to me. This is a frequent thing. The date manipulation is a way of getting overdraft fees. Also I tried to find the rules governing my account on their website and they were not available to me. I have Truist bright checking. Contacted representative and they could not find it either until they did some research. It doesn't seem right that the rules of my account should be hidden away somewhere. Also I am not an original Truist customer, I am a transfer from SunTrust. This whole operation is questionable in my opinion. Yesterday I made an electronic deposit, to keep my account funded to cover bills. They deposited the funds then reversed them and put a 10 day hold on it calling it highly uncollectible. Each semester I put cash in to my daughter 's college account to cover costs and each semester she will get a refund check which she endorses to me. That's what these funds were. Also printed boldly across the front is the statement that you can call this number to verify funds and the telephone number. The reversal through me once again into a negative balance and set me up to receive overdraft fees. I am constantly seeing the manipulation of account to accrue fees. I thought something had been done to protect the consumer from these erroneous fees

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion refuses to send me my free annual consumer report. The corporation keep saying they need documents to verify my identity. Documents has been sent already. TransUnion refuses to send me my report. I have already filed one complaint with the CFPB concerning this matter, reference number 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 explanation
Consumer complaint received 2023-02-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( AMEX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I ordered a new pair of shocks for my XXXX XXXX XXXX  with mag ride for XXXX dollars. On XX/XX/XXXX I received the package. On XX/XX/XXXX I went to install the passenger side rear and when the car was turned on I received a suspension error message. I asked for a refund since I was within the company 's refund policy. I stated I would return them once a return label was received. The seller and I went back and forth for 2-3 days. He wouldn't sent a return label. XX/XX/XXXX I filed a chargeback with Wells Fargo Bank. XX/XX/XXXX I received a letter from Wells Fargo denying my claim. Called Wells Fargo and was on phone for almost 30 minutes attempting to plead my case. Was transferred to upper management and apologized to. Told the claim was approved now and everything is taken care of. XX/XX/XXXX I received another mail. Letting me know I'm going to have XXXX dollars removed from my account. The claim was denied. Double the original provisional credit! Called immediately and they stated I didn't submit " proof ''. That I should have never been told the claim was approved. Now it has been submitted to another level of management to review the phone call.

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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove these items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$14000.00} the aforementioned items are UNKNOWN to me. you are required to remove/block the items in my file that are fraudulent and erroneous. 
Ive already included this in my previous Complaint & I am including it again.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023 bill statement, I had a balance of {$8000.00}. I had paid {$240.00} on the XXXX of XXXX and {$7800.00} on the XXXX of XXXX. I thought I had paid off the credit card to a XXXX balance. Bank of America had charged me additional fee of {$130.00}. I had paid my balance by the due date and I should not receive any fees. I had also paid off four other credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, but only Bank of America had charged me a fee after paying of the account statement. I am writing this as a complaint and also want {$130.00} which I had to pay on XX/XX/XXXX returned. No consumer should have a fee or another bill once the previous statement is paid off to zero. If the goal is the paid off your obligation aka credit card, one should not expect another after paying off {$8000.00}.

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 2023-02-22 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: AZ

Complaint narrative:
I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX  2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove the following information of the companies on my credit report these all on my credit due to fruad please remove them XXXX XXXX XXXX Balance of {$1500.00} Date open : XX/XX/2022 Acc # XXXX Collection type account XXXX XXXX XXXX Balance of {$1300.00} Acc # XXXX Date open XX/XX/2022 Collection type account XXXX XXXX XXXX Balance of {$370.00} Acct # XXXX Collection type 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 non-monetary relief
Consumer complaint received 2023-02-22 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: AL

Complaint narrative:
Equifax is inaccurately and fraudulently reporting on my credit. I had an account with XXXX XXXX, the account has been paid and closed. I am including the PIF statement from XXXX ; their name and logo with my account information are clearly marked. Equifax is reporting this as a collection when it is not. I do not have an account with XXXX XXXX XXXX, I have never had an account with them, and there is no collections, as the account was closed with XXXX, in good standing, and paid in full. I never owed XXXX XXXX XXXX money. This needs to be removed immediately under the FCRA, because it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: GA

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$28000.00}, XXXX XX/XX/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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Three weeks ago, I contacted Kia Motors Finance to receive the title for a XXXX KIA XXXX purchased by myself and my son, XXXX XXXX. Each time I call, the system prompts me to make a payment even though the car has been paid off and there is no remaining balance. 

I was told that title would be released and I should receive it in a week. We have not received the title and need to sell the car asap. Within the last two days, I have been trying to reach someone in customer service, only to be passed from one person to another and finally disconnected. I would really appreciate your assistance in resolving this matter. The VIN number for the car is : XXXX KIA XXXX VIN : XXXX 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 explanation
Consumer complaint received 2023-02-23 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: NJ

Complaint narrative:
I have disputed this collection many times since it was placed on my report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed this collection many times since it was placed on my 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 explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a complaint to the CFPB in response to Equifax completing an investigation about incorrect information on my consumer report. I asked the corporation to send me a description of the investigation they had conducted concerning the incorrect information. Reference number XXXX. I have not received those results for that investigation. Equifax is defaming my character and my credit worthiness. The incorrect information is still reporting. I have already filed XXXX complaints with the CFPB against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have three credit cards with American Express was cancelled after pandemict, i never stop to paid, just i paid two cards in full and other request financing in accordance finantial situation. 
My credit card score always is affected my life becouse this report show that i am not right paiment, i request several time to American Express fix this situation and they said is a company desition that affect all economical process and they have hight rates. 
Is not fear when always a paid on time they can destroy my life and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Both XXXX accounts are paid and need to be deleted from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NV

Complaint narrative:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$78.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2023, my shared ally bank account was charged XXXX  times that were all fraudulent. XXXX  transactions on XX/XX/XXXX we're all to XXXX XXXX accounts and we have never utilized XXXX XXXX. We received a call from ally regarding these transactions, were asked if they are fraud, and confirmed. They didn't imply we needed any further action on our part, and that our funds would be provided back when they were posted. We called again on the 4th after the transactions had posted to ask why our funds weren't returned, this was during the time our rent check was due too, which caused much concern as we are middle class and don't have cash to spare on fraud. We were told that 1. We needed to report it after it posted, so luckily we had already called to complain or else we never would have known and 2. That the funds would take 7-10 " days '', no implication of them being business days. Then, we started counting the days, we called again on XX/XX/XXXX to ask what on earth they were doing with our money, and they stated they had the claim on file but it " fell off the radar ''. From everything I understand, within 10 business days I should be given a provisional credit, then within 45  days should be provided the amount permanently if they deem it fraudulent. Everyone I spoke with, including a XXXX, has been nothing but useless and disrespectful. They all should be fired, but unfortunately they are a terrible bank with terrible employees. There is {$280.00} of my funds in this fraud scheme and only {$57.00} ( {$32.00} being the charge from XXXX XXXX ), I would like a provisional credit as soon as possible. Also, it's worth nothing the good for nothing bank had the nerve to send us a " replacement debit card '' that had the same numbers as the card involved in the fraud, because ally doesn't hire intelligent staff either. I've changed my bank because of this but their ignorance of cfpb guidelines tells me they need to understand how to properly treat customers instead of submitting to fraud.

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 2023-02-23 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: NV

Complaint narrative:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  ; XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-02-23 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: OH

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

In accordance with the Fair Credit Reporting act. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX Account number XXXX XXXX Account name XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is not my name " Formerly Known As XXXX  ''

Company response to consumer: Closed with explanation