vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently disputed inaccurate information on my credit report through writing with XXXX, Equifax, and XXXX  starting on XX/XX/2021. XXXX  has complied with my request seeing as they didn't respond within the allotted time of 30 days according to the Fair Credit Act. XXXX  and Equifax after receiving my failure to comply letters, well after 30 days of my initial letter, responded by starting an investigation after I clearly asked that the accounts be removed from my credit report, as required by the Fair Credit Act, if a timely and accurate investigation was not completed in 30 days. It was not done in 30 days and only gained a response because of my failure to comply letters, which were mailed well after my initial letters. XXXX  's agent over the phone also claimed to have never received my first letter of dispute yet knew the information, date the letter was written and mailed, and reasoning for dispute but claimed to have received the letter on the XXXX of XXXX, and contacted me via email after receiving my failure to comply letter, also sent to all three Bureaus. XXXX  then, several days after our conversation over the phone, completed a computer-generated investigation on XX/XX/2021 after XXXX XXXX clearly after their business hours. I only ask that the inaccurate account be removed from my credit if not validated in the 30 days allowed to them to complete a fair and accurate investigation. Clearly those 30 days have been passed and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I reported to my bank, Suntrust Bank that someone got into my bank account and changed the address. I called Suntrust and Answered all the questions on the phone that they asked but the said they could not sent a security code to my phone so I had to go in person. They locked my account. I went in person on Monday XX/XX/XXXX and changed my log in and password. On XX/XX/XXXX they got in again changed my address and changed several XXXX dollars on a credit card that I had not used since XXXX. They also withdrew some money on my checking account. I requested that the credit card be closed. They closed it and opened a new one that I didnt ask for. I do not have the new number I only have the original number. I was refunded the money except a {$740.00} charge on the credit card is still under investigation. On XXXX I received a letter saying a payment had been rejected. On XX/XX/XXXX, I called and was told I needed to go in person. When verifying my address I found out the hackers had gotten in again and changed the address. I changed it back and went to the bank on XXXX and closed my checking account. When closing the account the teller told me my address was again changed. Also I had to try 4 different branches in order to close the account. The lobby was closed at 1 branch. They sent me to 1 branch that was closed, I called another one who said that the only person who could close an account was out until XXXX XXXX. Finally the 4th branch I tried closed it. I then went home and later in the evening I called the fraud dept to let them know if I need to be contacted the hackers keep changing my contact address. The rep is not listening to me telling me I need to go to the bank. I tried to explain That I keep changing it and they keep changing it back. I no longer have access to the account so I wont know if they change it again. I am not a customer but I want the bank to be able to reach me. The rep said I had to go to the bank and wasnt understanding what I was trying to explain. I cant go to the bank every day to make sure the hackers didnt change the address. The rep said she couldnt help me and hung up. I dont know what kind of fraud monitoring banks do, XXXX if they would have listened to me on XXXX none of this would have happened. I want to make sue all my accounts are closed at Suntrust and I owe them nothing. I feel like I am in the twilight zone since XXXX. Hackers are able to get into my account withdraw money, make charges, make changes to my info. But they wont speak to me. No one is monitoring my account. Thank you for taking the time to read my complaint.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this I find myself paying higher interest rates. Please look into resolving this matter for me, because it has caused lots of stress, and paying higher in interest rates. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America randomly closed my account. I had no knowledge of this happening or that it was even going to happen. If I would have been notified, I could have took the necessary precautions to make sure I received MY MONEY on time, and paid MY BILLS ON TIME! They will not provide ANY reason whatsoever as to why the account was closed. They have held my money for over 5 days. I am completely in THE DARK, as to what is going w the account, what I did, where my money is, and when its coming. This forever will be the worst bank I have ever dealt with. I have rent, bills, and insurance to pay that I have defaulted on due to this issue. I have been denied access to MY MONEY that I HAVE earned via my job. I have had my lights cut off, my internet to work cut off, and more due to this inconveniencing issue. They denied my request to go to the actual branch and withdrawal my money after proof of identity. They have hung up on me numerous times. They have argued with me. No one will help. This is absolutely unbelievable. It is unprofessional. If you ask me, it's also inhumane to treat people this way and do things of this nature during a nationwide declared pandemic.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have found several disputes about inquiries being placed on my report fortunately and unauthorized I have been notified by external pay membership that my emails have been found on the dock Web I also have reported problems in the past with ordinary credit rules and transjunior refusis XXXX fuses to move through it's of 13 inquiries that have been placed on my TransUnion Report But in the last 60 to 90 days I have submitted dispute that is via satisfied mail to TransUnion question it's been a question disputing inquiries and to ask for it to be removed to tTransUnion not only did not investigate they did not send me a explanation of why they refuse to remove such echoes I have also I've also submitted disputes disputes with experience and XXXX  and have no problem Having the disputes removed and rectified define TransUnion is not not being cooperative there is no correspondence no communication

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 2021-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises
State: OH

Complaint narrative:
I called CBC LLC and asked them to verify this debt from 2 years ago. The lady on the case told me she would try get a letter sent out to my address. 2 weeks went by and I recieved nothing. I called them back and asked where the letter was, she told me the debt is to old and dont have anything to send me. I told her that didnt make sense and she told me she would have her manager call the XXXX XXXX company and have the send me the verification but she told me they might now since it was so old. She also told me to dispute the debt on my credit report. XXXX  removed it XXXX  did not and told me it is my debt and its been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I already reached out to the credit bureaus for the following unauthorized Inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. In addition, Kindly delete this incorrect address ( XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, VA XXXX ) right away because this is not my address. 

Inaccurate Inquiries : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 2021-08-07 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: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
Citizens bank has failed to remove my loan from forbearance on each of my credit reports after I left Forbearance XX/XX/2021. I am current with my loan and Citizens has not updated my loan with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Case # XXXX I received a rebill on XX/XX/XXXX {$32.00} from XXXX XXXX. 
Yes, XXXX received package but was opened and appliance did not work at all either due to mishandling or opening of package by XXXX XXXX   They also charged customs to add insult to injury I have pictures of damaged package XXXX XXXX  is notorious for losing packages, late delivery and mishandling " last mile ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I already reached out to the credit bureaus for the following unauthorized address listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Address : XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, 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 pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
From XXXX of XXXX to XXXX of XXXX ally auto financing got ahold of me to inform me that I was XXXX dollars behind. I offered in XXXX to pay the entire amount they insisted that if I did it had to be by cashier check from my bank when I explained that my bank close branch office was 5 hours away and I couldn't get on from them but I was willing to get a money order from one of the local bank. I was informed that that just wouldn't work and if I was going to be difficult there was nothing else to discuss and they hung up. This repeated itself in XXXX with the agent calling me a few not so nice names. In XXXX when they called again I informed them that I was more than willing to pay in full what I owed and again the agent demanded I get a cashier check from my bank. I finally got the woman to agree to a money order from a local bank since I had to explain to her that it was almost the same because the money would be paid to the bank when I got it and then to them when they cashed it. She then said that was fine and I needed to have it overnighted I explained that I would have to wait till the first because I am on XXXX from the VA. She informed me that there was no possible way that they would wait the 6 or 7 days till the first and I was just XXXX living of of everyone else. I informed her to get ahold of there legal department before she said anything else she made a few unpleasant comments about not telling her how to do her job and hung up on me. I heard nothing else from them and they continued to take my monthly payments. Then I found out after they repossessed my vehicle this week that I hadn't been making my payment so I did some checking and discovered that they had decided to stop taking the payments on there own decisions. When I inquired as to the reason for the repossession I was informed it was because I stopped paying on it. When I checked I found emails from them that they had decided not to take the payment this i discovered had XXXX going on since the middle of XXXX without my knowledge. I explained to the gentleman I talked to and he assured me that that couldn't be possible but I insisted that he check when he did he got very quiet and just told me the name of the company that did the repossession. I asked him how they could do that and he wouldn't answer. I then informed him that I wanted all the paperwork and records that they had on my lone I gave him till Friday XX/XX/XXXX to have it to me. I have not received it nor will anyone there talk to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I already reached out to the credit bureaus for the following unauthorized addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA 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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed 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