vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023, I deposited a government check ( IRS tax refund ) for the amount of {$59000.00}. I was advised by the teller that it could take 7-10 days to clear the check. 

Knowing I have bills coming out automatically, I deposited {$800.00} in cash to cover my bills. The next day I could not access my account. Truait blocked my entire account. I was told to wait until everything clears. 

After several attempts to try to have truist release my funds, I was told that they can't do anything until and just have to wait. 

How long can the bank put my account on hold?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In my understanding of my membership the outline is to support the development of my credit to monitor update however there seems to be some illegitimacy as I find myself disputing cases that are closed and should no longer remain. There is mis-information lil my SSN Ive never seen those numbers neither of them belong to me, there permissions given to track the data collected yet no one is tracking I am glad I was able to submit the original details My complaint is generally on the inability and acceptance of what ever is reported to these main source of information to the public Who based on whats visible determinations are made whether that information is accurate or not its displayed so how is it you raise the price of membership when there is no support for the consumer if youre going to add anything to record.If you arent going to help by updating the information accurately than maybe its time shut down Because your becoming apart of the problem and suggestive application is not a solution your ruining lives. Many of us pay our bills sorry its hard for you to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In early XXXX, Capital One closed my account and responded that I committed fraud hence the closure, later stating I committed a scam, then that I wanted my account closed, and finally that it was accidental. I was told that the funds would be sent to a state that I no longer lived in, and told Capital One but Capital One claimed it would be sent regardless. I tried to offer my second bank 's routing and account number to receive the funds electronically, but Capital One said it could not be completed once the account closed. 

Around the XXXX of XXXX, I finally got ahold of Capital One, because my phone number was being sent to a voicemail til then. The Capital One admin said that the funds were able to shift to my current address or second account until the day before the call. Capital One claimed it was an accidental miscommunication for not informing me of my options. 

I received funds through XXXX in XXXX that were sent to Capital One after the closure. Capital One said the funds were never received and XXXX provided me with a document to confirm the funds were sent to Capital One. Capital One claimed that any funds would be returned to the sender, XXXX. I later found the funds in an illegal account Capital One created I kept calling till late XXXX for my funds ( I received them in late XXXX ) and then for compensation. I was told by a Capital One member in late XXXX that an account was opened without my consent or knowledge in XXXX. I was given the password and username to this account I did not know existed. Capital One claimed it was opened accidentally. 

Continuous accidental mishaps led me to not afford food or housing when XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please see the attached documents. I am urging the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, contrary to their reported status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: IL

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: UT

Complaint narrative:
XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX H XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: UT

Complaint narrative:
XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX  XXXX UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NH

Complaint narrative:
I have applied for the TPSLF since I first learned about it in XXXX. At that point I completed all employment verification forms and submitted my application. I continued to send in employment verification forms once XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It took months for everything to be approved and processed ( by XXXX ). I was grateful to have received a letter on XX/XX/XXXX notifying me of loan forgiveness and received a refund ( which totaled 9 payments ) with a " pay off '' date of XXXX I realized that there were at least 9-10 payments that were not accounted for. I have made many attempts ( via live-chat, email, website, phone ) to request a reconsideration for the payment counts through both XXXX and FSA. I only received responses of " congratulations, your loans have been forgiven '' and not one indicated that my request would be granted. Case numbers have been sent to me via email ; however, only two of them show up in my portal and both are " closed '' without an explanation. I have even submitted complaints on their websites and requested my complaint be escalated to speak with an Ombudsman. I never received confirmation or communication. I finally was able to speak with a live person on a " Call Back Request '' was made on XX/XX/XXXX and was given a case number. He kindly told me that there was a note on my account of " payment under review '' but that was it. He also told me that an Ombudsman representative would call me between XXXX XXXX XXXX and if I didn't answer the call, that I would miss my chance to speak with an Ombudsman because they don't leave messages or call back numbers. I waited and made sure that I was available to receive a call ; however, I never received a call or any other further communication. Through other resources, I learned that once an Ombudsman case is open, then I could call a number or email ( XXXX ) and if an Ombudsman doesn't provide assistance to email XXXX XXXX XXXX I didn't reach out to them because I never receive a call and therefore was never given an " open case '' and I can't say that an Ombudsman didn't provide assistance because I can not seem to get in touch with one, nor has FSA ever responded to my multiple requests within the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company Portfolio Recovery Associates ( PRA ) is improperly, against FCRA statutes, reporting incomplete data to the national credit bureaus making it inaccurate. The company reports the account was opened on XXXX XXXX XXXX yet reports a " charge off '' for only 3 months in XXXX ( incomplete ). Furthermore, it does not report a date of first delinquency XXXX XXXX XXXX 

The company violates FCRA in the following ways : 1. PROBLEM : No credit payment history, making the report incomplete and inaccurate. 

FCRA VIOLATIONS : a. ) 611- " completeness or accuracy " b. ) 623 ( 2 ) ( B ) - " has furnished to a consumer reporting agency information that the person determines is NOT COMPLETE or ACCURATE '' c. ) 623 ( 5 ) XXXX XXXX  " not later than 90 days. '' RESULT : Civil liability under FCRA 616 ( a ) " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer ... .. '', 617 ( a ) " Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable ... .. '',

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo claims they credited my account twice which did not happen over fraudulent deposits that were not made by me I called an reported these transactions at the time they happened I want my money that was wrongfully took from me by wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: IL

Complaint narrative:
Around XXXX  of this year, I checked my credit report for the first time in years. After reviewing my credit, I noticed addresses where I never lived and accounts reporting that I didn't recognize and did not open. After this I learned in XXXXXXXX  my personal information was a part of the Equifax Data Breach and has been used to open credit card accounts and loans. Several credit card accounts were opened ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There was also an auto loan from XXXX XXXX XXXX listed on my report that I did not open. Multiple collection agencies were also on my credit report that I have never done any business with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to the XXXX major credit bureaus ( Equifax, XXXX XXXX ) on multiple occasions but have not had any success in removing these fraudulent accounts. The bureaus continue to respond to my dispute of these accounts as verified providing no proof on who opened these accounts. I filed an identity theft report with the FTC which I will attach to this complaint along with the letters that were sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit 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 Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX portfolio recovery XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX These accounts are hurting me to a decent life and to inquire property for me and my family

Company response to consumer: Closed with explanation