vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I bank with Truist. They put a freeze on my account due to some kind of checks being mobile deposited into my account. I dont use the mobile deposit. I always go in person to deposit any checks I get. I didnt find out about the freeze on my account till I went in person to try to with draw it. I was told to call the fraud department and that they had been trying to reach me. I never received any kind of call from there nor a email. When I did call they say it would be resolved on XX/XX/year>. On XX/XX/year> I called and they said it was no update. I have been calling ever since and still not getting an update. So I called again today on XX/XX/year> and was told to go into the branch and the branch could unfreeze my account as long as I verify myself. So I went inside the branch to verify and the manager said they couldnt unfreeze it and that department who froze it would have to unfreeze it. So I keep calling the fraud department and getting no updates and getting the run around about getting my funds.

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 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lack of Response to Wire Recall Requests : Despite notifying Capital One on XX/XX/year>, and following up multiple times for the wire recall, including a Hold Harmless Letter sent on XX/XX/year>, there has been a lack of adequate response and action, making it unnecessarily difficult for me to recover my funds. 

Failure to Comply with XXXX Regulations : Capital One allowed a fraudulent account to be opened, indicating a severe breach of Know Your Customer ( XXXX XXXX regulations. 

Neglect of XXXX XXXX XXXX : As a XXXX with early-stage XXXX XXXX, I am a vulnerable consumer. Capital One 's neglect in assisting me promptly exacerbates the impact of this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested an update on my credit report from Experian because I had requested that old addressess be removed. I have sent a letter to Experian in XXXX, XXXX, and in XXXX as the online instructions mentioned that I can not change name, address and ssn online. 

As of today is XX/XX/2024, when I log into experian.com, my old addresses are not removed as they are deliverable address according to FCRA. I have faxed and mailed a copy of my driver 's license that has my old address along with my SSN card and a current bill that reflects my new address. I will be upload the information on this website to get a resolution.

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 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX, 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 an 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 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 2024-07-18 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: 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. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. 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 an 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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am writing to formally complain about the mishandling of my request to close my checking account, which has resulted in an unjust charge being applied to my account. 

On XX/XX/year>, I requested the closure of my checking account. Despite receiving confirmation that the closure request was processed, I was surprised to receive a statement indicating a {$15.00} fee was charged to my account. This fee was unjustly applied after my account was supposed to be closed. 

To make matters worse, I received a bill demanding payment for this fee. This situation is unacceptable and has caused me significant inconvenience and frustration. 

In addition, I was advised by the customer service rep that they had a no fee checking account that I could switch to, which is a student account. I told him I wasnt a student so I dont understand why theyre trying to put me into that account category.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-07-18 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-07-18 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: PA

Complaint narrative:
My account with DEPT OF EDXXXX was never late! I have had exceptional payment history with DEPT OF EDXXXX 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 paymen t reported in to be removed. 

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. 


DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I never gave any of these companies my information This is illegal DELETE ALL COLLECTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/year>, paid the last amount of {$24.00} or greater amount. I email, talk to customer services, and no one from Forever 21 will remove the charges of which I have a XXXX balance. I have been sending email to Forever 21 since XX/XX/year>. I have also text Forever 21. I am being charge each month, and totally ignore. I also request the account to be closed. Forever 21 continue to ignore my emails and request. I am being bully into paying a bill which is a XXXX balance. Forever 21 have no regards for past customers. Forever 21 refuse to listen to me. I believe my pass information have being stolen, and Forever 21 are not reporting of what has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft because my information has been exposed to Equifax data breach and XXXX XXXX XXXX data breach. There are inquiries on my credit report I didn't authorize and they are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. As these inquiries someone used my social security to gain benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I will be taking legal action XXXX XXXX amount of {$11000.00} was charged on my credit card. My Bank failed to stop all transactions and notified me. It went over my credit limit. I had several fraudulent from a company called whatnot. I never nor did my husband approve for any of these transactions. The bank stated the package were sent to my address. What packages? I do not have any package whatsoever. I even submitted supporting documentation to help with my claims. I am always calling every week to get update. The bank is working on the case no changes. As of today BOA closed my claim stating I asked for it to be closed. I never spoke to anyone about closing my claim, I never gave anyone authorization to close it. I repeat why would I want to close a {$11000.00} claim! Im getting the runaround with BOA. Im sorry BOA has failed me, I been with them since XXXX, I never had this happen to me especially a huge fraudulent transaction!

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-18 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: NY

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: KS

Complaint narrative:
The credit bureau TransUnion XXXX TransUnion has out dated in accurate items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-18 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: NY

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CO

Complaint narrative:
It appears that Chime has opened a checking account without my consent. I received an email on XX/XX/year> that a new account was opened. I then received a debit card in the mail on XX/XX/year>. 
At no time did I authorize chime to create an account, I'd never even heard of chime prior to receiving the email that an account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX I walked into the branch and opened a checking account. Same day of opening the account i cashed my settlement check of a little bit over {$5000.00}. I took {$500.00} from the check after it was cashed. Same day my wife XXXX me {$2000.00} for rent. 
XX/XX/XXXX my account was closed and could not access funds. 
XX/XX/XXXX the check was mailed out per the fraud department that i was directed too from the branch. 
It is now XXXX XXXX and there is still no information on where my check is.

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