vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: PA

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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2023 my wife 's phone was hacked and the scammer/hacker made 2 fraudulent XXXX transactions from our Huntington Bank checking account stealing {$620.00} in one transaction and {$670.00} in the other. Totaling {$1300.00}. When we figured out what was going on we immediately called the bank and told them there was fraudulent activity and put a freeze on our account. We filed a dispute due to fraudulent activity with the bank. They sent us a letter back saying they determined the transactions valid. The letter says we have the right to request documents they relied on to make their determination but when I call the number they provided they always tell me they will open back up the case and a week or two later I get the same letter telling me they determined it was a valid transaction. They never give me any documents or tell me how they have come to this conclusion. 
This was not the only fraudulent activity that happened when the phone was hacked they also bought multiple gift cards on our XXXX account. XXXX sent us an email saying there was been suspicious activity and they were temporarily freezing our account. That is how we were first made aware of this fraudulent activity. We filed a police report. XXXX and our credit card company that is attached to XXXX reimbursed us for all the fraudulent transactions. Only the bank has determined that the transactions were valid. That is why I wanted to know how they came to that conclusion even though every one else involved could see it was obvious fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, approximately XXXX, at the Capital One XXXX in the XXXX XXXX XXXX XXXX XXXX I attempted to deposit cash ( {$2400.00}, in {$100.00} XXXX ) into the ATM machine ( there were two ATM machines and I used the one on the right ). The ATM machine shut down and returned my debit card but did not deposit my cash into my checking account and did not print out any receipt. 
With the help of the Capital One Bank representative working there ( XXXX XXXX, I spoke to the Capital One claim department and filed a claim of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX Received check in mail from US Treasury for FED STUDENT LOAN REFUND check number : XXXX ( see attached ) XXXX Deposited check into checking account via truist bank mobile app XXXX Received e-mail from truist bank notifying me that a hold was placed on the check ( see attached ) stated reason, we have confidential information that indicates the check may be returned and may require an additional review. 

XXXX Checking account frozen by truist bank for all incoming and outgoing transactions XXXX received e-mail from truist bank notifying me that a hold was place on the check ( see attached ) stated reason, some information on the check is inconsistent with other information on the check. 

XXXX Spoke in person at my local truist bank with manager XXXX XXXX ( branch leader II assistant vice president ). I provided him with a photocopy of the check and was told he would, look into it and he would also submit a request for information from truist bank fraud department. He stated he would, keep in touch with me. 

XXXX I contacted XXXX who is my student loan servicer. They verified that the check was a legitimate check from US Treasury. 

XXXX XXXX XXXX XXXX XXXX had not contacted me so I went back to the branch to speak in person to let him know I received confirmation from XXXX that the check was legitimate. He informed me that I could not speak to the fraud department and he needed to act as intermediary. He told me that according to truist bank fraud department, US Treasury has flagged the check as fictitious and that I would need to contact US Treasury. 

XXXX I ran the check number through US Treasury Treasury Check Verification System ( TCVS ). The results were, Check verified Status : Paid ( see attached ). 

XXXX I talked to XXXX to receive verification in writing confirming the legitimacy of the check. They began the process of mailing that information to me. I have not received this information yet. 

XXXX XXXX I made several unsuccessful attempts to contact US Treasury via phone and e-mail. 

XXXX I had e-mail communication with US Treasury OIG which confirmed that the check was legitimate, that US Treasury had no claims on the check and that US Treasury confirms the check status was paid on XXXX. XXXX XXXX : XXXX ( see attached ). 

XXXX I returned to my truist bank branch to speak with XXXX XXXX and provide him with the updated information. He spoke with the fraud department again and informed me that NOW their fraud department is claiming that US Treasury HAS NOT flagged the check as fictious. He stated that he needed to investigate further with other departments and that he would, keep in touch with me. To this point I have received further communication with 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 2023-10-13 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: LA

Complaint narrative:
FTC Report XXXX I never gave written consent to any of following to report on be have. XXXX, Equifax XXXX nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-10-13 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: AL

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 : XX/XX/XXXXXX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-13 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: AL

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 :XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: NV

Complaint narrative:
Crane finance contacted my XXXXXXXX XXXX XXXX and told them that they wanted t do a Notice of Voluntary Wage Assignment Intent without my permission. They stated that I signed this form when I applied for the XXXX loan. I do not remember seeing this paper or remember reading it. If I had, I never would have signed for it. 
My XXXX was going to XXXX me for having an outstanding loan that was trying to be collected through a wage assignment. 
I should have been informed in advance that they were going to contact my employer. This contact put me in a difficult position that almost cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Recieved a text message from Bank of America stating " congratulations on your business account, you have been approved. you will be sent our welcome package in the mail ''. i called bank of america to let them know this if fraudulant. XXXX accounts had ben opened, XXXX business accounts, XXXX credit cards.

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 2023-10-13 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: VA

Complaint narrative:
I am writing to dispute the validity of the debt reporting on my credit report. After careful review, it has come to my attention that the statute of limitations for these debts has expired. 

As of my last knowledge, the statute of limitations for the type of debt in question is up to 7 years only, and the last activity on this account occurred on XXXX. Based on this information, it is my understanding that the legal timeframe for pursuing this debt has lapsed. 

I am attaching the following photos for your reference : 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 2023-10-13 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: CO

Complaint narrative:
Equifax and XXXX are reporting XXXX inaccurate accounts of collection accounts. I have reached out to XXXX and after a review of the accounts, they removed all 3 collection accounts from my report. I have reached out to Equifax and XXXX multiple times and each time they brush me off and say they have verified the accounts but do not provide documentation to show how, when or if they actually verified the accounts. I want all XXXX collection accounts removed from XXXX and Equifax as since XXXX removed the accounts, that means XXXX and Equifax should not be reporting those accounts anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
My vehicle was totalled out by XXXX insurance and the amount owed was at the original amount of the loan when I took it out with XXXX XXXX XXXX. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OZK
State: FL

Complaint narrative:
On XX/XX/XXXX myself, my fianance, and the gentleman who had the loan with The Bank OZK went to the XXXX branch to pay of his XXXX XXXX motor home. We took a cashier check drawn on XXXX XXXX XXXX in the amount of {$25000.00}, a cashier check drawn on XXXX Bank in the amount of {$130000.00} and {$29000.00} in cash to pay the loan off because we were purchasing the motor home from the the indivdual who had the loan with the bank. We were told by the woman at the bank that processed the payoff that she would ask that the title be expedited because there was a ten-day hold because the monies were not wired. We were not told that if the monies had been wired we would receive the title quicker until we were leaving her office. We were told by an employee at the call center that they also do a ten-day hold on wired funds. 
On XX/XX/XXXX, both cashier checks cleared the banks they were drawn, and The Bank OZK had the funds needed to satisfy the loan. On XX/XX/XXXX the man with the loan was told that the loan was satisfied and the lien had been cleared, but still they hold the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A letter was sent in response to notices sent to me about this debt without VALIDATION. I have not received a response with validation for me to investigate within the 30 day window and it has not been removed from the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI CREDIT CARDS WITH FRAUDULNT USE. CITI IS MANAGING AND HAVE NEW ACCOUNTS BUT IT WAS A RECURRING PROBLEM

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 2023-10-13 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-10-13 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: MI

Complaint narrative:
Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/1991 The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, 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