vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Barclays to notify them of an unauthorized transaction that reflected on my credit card statement. I spoke with XXXX in Customer Service at XXXX PM who stated I needed to be transferred to the Security Department and I was placed on hold for almost an hour. I was unable to continue to hold so I called again on XX/XX/XXXX and spoke to XXXX in Customer Service at XXXX PM who stated that a fraud claim was opened the previous day and that a credit will take 7-10 business days to apply to my account. I then called back on XX/XX/XXXX at XXXX AM and spoke with XXXX in the Fraud Department who stated that he would need to transfer me to Fraud Investigations. At XXXX AM I spoke with Ina in Fraud Investigations who stated that I would need to be transferred to Customer Service. I was transferred to XXXX in Customer Care at XXXX AM who stated that she needed to open a fraud case because it was never opened. She stated that she would prioritize the claim and provided me with Case Number : XXXX. She advised me to call back if I do not hear from them. On XX/XX/XXXX I still had not heard from anyone, so I contacted Customer Care again and spoke with XXXX at XXXX PM who transferred me to Fraud. XXXX in Customer Security took my call at XXXX PM and stated that he needed to research this case. He informed me that the account was closed on XX/XX/XXXX and that he can not reopen the account. I explained that I did not want to reopen the account I was inquiring about my fraud claim. He advised me that he couldnt find my claim. He provided me with Case Number : XXXX and when I asked to speak to a supervisor, he refused to transfer me to one. The call then disconnected. I called back on XX/XX/XXXX and spoke with XXXX in Fraud Investigations who stated that she can not see any credit card statements from before XXXX of XXXX. She stated that it can take up to 90 days for the claim and that there is a scheduled call back from a manager within 10-15 days. Since then, I have heard nothing from Barclays. I feel that I am being treated unfairly by Barclays. I feel that Barclays is not providing me with an investigation into my fraud claim.

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 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.

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 2022-04-01 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: AZ

Complaint narrative:
I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.

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 2022-04-01 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: SC

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint against Experian Information Solutions Inc . There is no third party involved in this complaint. I am demanding that Experian Information Solutions Inc. provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Experian Information Solutions Inc. provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Experian Information Solutions Inc. has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Experian Information Solutions Inc. have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
SNSC and XXXX are involved in some sort of scam. While I was trying to cure the default the loan was turned over to XXXX. They've given different dates of when they got the loan and how much was owed. Now I can't get a payoff amount. SNSC said they can't tell me anything and I have to contact XXXX  and ask for a lawyer named XXXX XXXX. I called XXXX and XXXX hasn't been with the firm in four years. I was never offered a loan modification or mediation. They are in the midst of an illegal foreclosure. I've been requesting a payoff statement since XXXX and they refuse to provide it. They are breaking Federal law 15 U.S. Code 1639g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  banks with Truist Bank and on XX/XX/2022, XXXX wired {$100000.00}, through their XXXX XXXX System to XXXX XXXX ( the recipient ) a vendor in XXXX to purchase vehicles for our XXXX Project. The recipient bank XXXX XXXX is in the XXXX XXXX XXXXXXXX XXXX use the recipient account number and the swift code to do the wire. The wire went through XXXX XXXX. On XX/XX/2022, the wire was returned in the amount of {$100000.00} and the return documents says the originator of the wire was XXXX XXXX XXXX in XXXX and the invalid XXXX was used. XXXX never used the XXXX to do the wire and after several attempts to contact Truist, who gave the same explanation as the returned advise, XXXX  was unable to find out the real problem. Many attempts to Truist XXXX wire department resulted in waiting time of 20 to 30 minutes and one such call resulted in 1 hour and 15 minutes with no one answering the phone. Finally after XXXX XXXX XXXX threatened to complain to CFPB we were given several names which resulted in a phone number to some who finally told XXXX, the reason the wire was returned was wires to the XXXX XXXX XXXX is because only XXXX can be used to do wires. 

The problem is this should have been a flag for the Truist wire system. Why did it take to funds seven days to be returned to XXXXXXXX XXXX bank? Why did Truist no tell XXXX the real reason the wire failed and why is the XXXX number a dead end? Why was {$90.00} taken our of a wire that never went anywhere?

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 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates
State: FL

Complaint narrative:
Company representative called and threatened to garnish my wages thru my employer and or take me to court without any notification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CA

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person

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 2022-04-01 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: AZ

Complaint narrative:
I have already reached out with certified mail with tracking of the recipient to XXXX You XXXX XXXX XXXX XXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )

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 2022-04-01 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: T.S. Holdings
State: AZ

Complaint narrative:
I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXX XXXX XXXX XXXX XXXX  BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX XXXX XXXX XXXXXXXX Act # XXXX XXXX Act # XXXX XXXX Act # XXXXXXXX XXXX XXXX Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX  Act # XXXX XXXX XXXX Act # XXXX XXXX XXXX  Act # XXXX 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

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 2022-04-01 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: NC

Complaint narrative:
To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX -XXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX XXXX Act # XXXX -XXXX  Card Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXXXXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX XXXXXXXX XXXX  Act # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint against BANK OF AMERICA BANK OF AMERICAhas this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BANK OF AMERICA to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) BANK OF AMERICA duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2022-04-01 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief