vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX are 7 year old closed accounts however ; negative information is affecting my ability to get a home loan. Requesting removal of negative comments from account due to inability to get a home loan with account reflecting late payments on a closed account over 7 years old. Payment status table should be removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX are 7 year old closed accounts however ; negative information is affecting my ability to get a home loan. Requesting removal of negative comments from account due to inability to get a home loan with account reflecting late payments on a closed account over 7 years old. Payment status table should be removed from 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 explanation
Consumer complaint received 2024-08-14 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: TN

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXXXXXX XXXX XXXXXXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX and Equifax for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXX XXXX, XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both XXXX and Equifax have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of XXXX and Equifax to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that XXXX and Equifax, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX weeks ago I moved {$1000.00} from Barclays to XXXX as a test, directed from XXXX. That was successful. I then tried larger amount XXXX and ran into a limit. 
I then tried to push {$1000.00} from Barclays to XXXX and it failed. 
I unregistered the XXXX  account from Barclays and attempted to create the link again. The small micro transactions never arrived. I called Barclays and they summoned XXXX and had them BOTH on the phone to create the transfer account without the micro transactions. I am smelling fraud now. Still I cant transfer fund to XXXX, the rejection reason states " Unable to locate ext bank account ''. 

I had XXXX and Barclays on the phone to set this transfer account up. Still fails. 

So now I want to exit Barclays, as they can not find the reason. XXXX says NO transfers have been initiated so none rejected. This is all on Barclays hands. This account has XXXX and I want it back. 

They say they can XXXX me a check in 10 days thats too long to wait for more fraud. 
I want these funds transfered and BarclaysUS can not seem to find a way. I tested transfers to XXXX 2 years ago when I set Barclays up, but not large sums. 

Please help me, I want to exit Barclays and they cant seem to send even {$100.00} to my XXXX  account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have requested USAA to investigate a duplicate/ reversal credit of {$2200.00} because I never received goods/services. I tried solving the issue with merchant no response. I asked USAA for help. but USAA has failed me again ( last time, USAA corrected their error after proper infestation ) Once again I received a weak response/investigation. 
On XX/XX/XXXX I went to purchase floors at XXXX XXXX XXXX in XXXX, but they didn't have the amount and color that I required, even though a sale occurred, we never picked up the goods, therefore a reserval/refund was supposed to be processed, but merchant never did, merchant has failed to call me back multiple times. Yes there was a sale transaction but there was NO PICK, I never picked up or signed any pick up of goods from the XXXX location. However I DID purchase and signed pick up from the XXXX  location for the amount of {$2200.00} that purchase I did signed and picked up goods. XXXX failed to send documents I requested back in XXXX. today XX/XX/XXXX I Talked to XXXX @ USAA asking for documents again ( she mentioned no request made from before ) she assured me she's putting my request again, I had hopes that USAA analyst or investigator would take a close look at merchant documents sent regarding dispute XXXX but USAA re-review completed XX/XX/XXXX sided with vendor again with no proof of pick up.

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
My account was overdrawn {$330.00} on XX/XX/2024. I had opt-out of overdraft protection to prevent this from happening. There was also a dispute I filed regarding the transaction which was denied because the claim 's department claim they never received information that was requested for them from me which I did send by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have Checking, XXXX XXXX XXXX XXXXXXXX account with Truist Bank in XXXXXXXX XXXX XXXX XXXXXX/XX/2023 we moved to XXXX, CA and decided to close our Truist Bank since we moved out of state, plus the service at Truist gone downhill since they changed from SunTrust Bank. I communicated4-5 times over Chat sessions, Phone Calls and Mailing a letter to Truist Bank to close my accounts. After numerous Chats and calls of the time of a month the XXXX XXXX XXXX  accounts were finally closed. But the XXXX XXXX account is still open. Every time I call or Chat with them the tell me since it's a 'Trust ' account I need to come to the branch to close it. Again, I advised them that I now live in XXXX  and can't come to a branch. So, they told me since it's a Trust account I need to send another letter and explain I'm a Trustee instead of a Joint Account owner. So, I said, then why did you close the Checking and Checking Account?? I asked to speak to a supervisor and Complaint Line. XXXX said he can't transfer me to a supervisor and gave me the standard Toll-Free number. Very frustrating dealing with Truist Bank and will never recommend 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
someone opened the capital one credit card under my name the capital one credit company send me a {$1800.00} to pay this bill. I called them to address the issue. i had explained them I didn't give authorization or called this company to get a credit card. i didn't opened this account. i asked them what date, what time and the voice recorder when this account opened, I m not responsible and i didn't opened this account. i do not have the credit card on my hand and i do not know the credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Following companies, Equifax, XXXX, XXXX, XXXX, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, XXXX XXXX XXXXas failed and/or refused to implement a block, within four days ( 4 ) per 15 usc 1681c-2 to avoid further damage from use of identity theft accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.

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 2024-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account.

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX  XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.

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 2024-08-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
The credit card company reported that my card had a balance off over XXXXXXXX XXXX when I tried to close the account my balance was u see XXXXXXXX XXXX I have since paid the card off completely and I have lost XXXX points on my XXXX XXXX due to the false information about the balance on that card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was taking a look at my credit score by logging into XXXX XXXX, and it appeared that I have a credit card/store card thats being used. That Ive never applied for or have anyone permission to apply for. When calling multiple credit agencies to check into whats going on, I was told I couldnt receive any information about my credit which fraud is being committed.

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