vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, my account was blocked because I placed a third-party check in my account via XXXX XXXX which I was told I could endorse a third-party check, but I was told after the fact it had to be done at the branch so the person who check I put in my account, she is a relative of mines and she is also my in-home service provider caretaker. We both went to the branch and she verified who she was as well as I did and let them know that she gave me permission to deposit the check my account is still blocked and I was told that nothing can come in or out my XXXX check has went to the account and they will not let me access my funds XXXX XXXX. I have XXXX and XXXX XXXX XXXX and other health issues and I pay for my own medication out-of-pocket and also I have rent to pay. Im not able to get into my account I need to know what I can do to get my funds so that I can get my medication paid for I have been without my meds for over a week

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
I am a XXXXXXXX XXXX male. I fell victim to an internet-based wire fraud scam on XX/XX/XXXX, and wired away nearly all my money in M & T Bank - {$75000.00}. I thought I was being helped by a M & T Bank fraud investigator, who set up an " alias '' account for the wire at XXXX in XXXX VA. Attempts to get information from XXXX on what happened with the wire went unanswered weeks thus insuring I would never be able to recover the theft. The fraud began on XX/XX/XXXX when I mistakenly hand entered XXXX as XXXX. I crazy popup window appeared saying my machine was compromised by hackers, being used to send things out, and to call XXXX at a phone number. There was no way to close the popup. After a while I called the number... Please see attached pdf for the full story and details. I filed a crime report with the Vermont State Police on XX/XX/XXXX, Case # XXXX. I have requested ( FOIA ) a copy of the report. On XX/XX/XXXX I filed an FBI Internet Fraud Crime report for XXXX XXXX using a form at XXXX : XXXX. But there has been no followup. The US Secret Service received a copy to my State Police Report. I talked with an agent, but not enough money was stolen for them to act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Company claims that lease was broken however we were on a XXXX-month lease and left less than a month prior to the lease actually ending by giving a 30 day notice. In six months, there was no damage done to the old apartment other than trash being left behind I will admit.the Apartments staff continues to say, left in shambles however it was very old and XXXX infested. I have asked for documents on multiple accounts and photographs of the unit and the front office does nothing but dismiss me and point me to who they sold the collection debt too. The young lady, I spoke with reassured me that they no longer have my files and are just trying to collect money and follow up with what the previous landlord left behind. When calling in asking for additional information, I am not in the system nor able to be pulled up the ladies in the front office try to direct me to the collection agency the debt was sold to. From then we are being harassed daily with multiple phone calls, which we are aware is against the law according to law 15 usc 1692 c ( c ). The harassment and disrespect is unbearable. I will continue to seek legal matters in regards to this situation. I can not deal with the company nor the collection agency as theyre rude individuals who handle me in a way I can not tolerate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I visited Truist Bank, XXXX, VA several times last year after the patron died. I asked Customer Rep., XXXX, to send monies to the beneficiary from savings and checking accounts. I provided Administrator, death certificate, bank and savings account information. Beneficiary lives in XXXX XXXX  MO. It did not happen. 

I called and spoke to Bank Manager, XXXX XXXX on XX/XX/year>. She said XXXX would contact me. I called again on XX/XX/year> and again on XX/XX/year> at XXXX. She and XXXX were on the call. I told her beneficiary had financial problems and could not be expected to travel her to pick up less than {$4000.00}. I asked if she would send the monies to the beneficiary and close out the account. Following the manager 's instruction, I texted the beneficiary providing bank information and informed her to call the bank. The beneficiary has not responded to my text. Th beneficiary will not contact me as she believes I had or have access to the monies involved. 

I also asked that documentation of the closed account be sent to me for submittal to XXXX XXXX Commissioners. To this date, the bank has not acted upon my request. 
This inaction by the bank is not allowing me to close this estate matter. 

Thank you, 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not current in recording to the fur credit reporting act whenever I consumer reporting prep a customer reporting follow responsibilities procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 US code 1605 Responsibility of furnishers of information to consumers Reporting agencies :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My fianc and I are in the process of buying a home specifically we are XXXX days out from getting the keys. However, during this process and unknown of an exact date, a scammer was monitoring either the title companies or my realtors email. They sent an email on XXXX XX/XX/XXXX With details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a with details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a New email thread with spoofed email addresses From People helping in the escrow process including the escrow officer, realtor, and title officer. On XX/XX/XXXX at XXXX my fiance and i signed documentation with the notary person at our home and he provided us with instructions and the amount. When he left, we had different instructions in our email from our escrow officer XXXX, stating to disregard the notary info and go with the one they sent : Closing wiring instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Beneficiary : XXXX XXXX XXXX. Account # : XXXX Routing # : XXXX Bank NAme : Truist Bank Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the real XXXX alled to inform me she stl haint received our fund XXXX. XXXX from my acount and XXXX from my fances account, to which we discovered it was a scam. We have reported to our banks and requested an urgent request of our funds. Our Banks XXXX and XXXX XXXX, have both said they started an investigation and will get back to us within XXXX to XXXX days. However, we immediately called Truist bank to let them know someone was fraudulently Accepting money from an account with their bank and asked them to look into the funds To freeze them. They told us they could not do anything to help us since we did not have an account with them. Upon looking more into this bank and continuing calling them for help, it appears this bank is known for fraudulent activity and does nothing to protect or recover consumer 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous letter dated [ XX/XX/year> ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on, auto loan, account [ XXXX XXXX XXXX account number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. I am writing to file a formal complaint against XXXX XXXX XXXX due to the lack of response to a credit dispute letter I sent on [ XX/XX/year> ]. Where XXXX XXXX XXXX violated my rights by law, that it did not respond to me in more than 30 days as stipulated by law, where I requested that it provide me, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that it has adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. Number XXXX I'm disputing this due to the following credit laws : 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.

Company response to consumer: Closed with explanation