vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MI

Complaint narrative:
I have a fraudulent XXXX account appearing on my Experian credit report. I have previously had this fraudulent account removed with XXXX, at the current time I currently am a XXXX customer with the active account. This account is from XXXX for {$1800.00} and the original amount was {$1500.00}. They have the date open as XX/XX/XXXX and the account was fraudulent open in XX/XX/XXXX. I didnt give anyone permission to open this account and the address listed was incorrect and fraudulent as well. 

XXXX XXXX XXXX is housing a fraudulent account, which is affecting my personal credit, also affecting my business affairs. Attached is XXXX affidavit, proof of original police report in XXXX and FTC report. 

XXXX XXXX XXXX {$1800.00} 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 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 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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: TX

Complaint narrative:
XX/XX/XXXX I accepted a {$400.00} loan with the expectation to make $ 135 monthly payments. First payment I missed and called one day after its due date to request to make a payment in 3 days, on my pay day. Instead they offered to defer the payment for a month in exchange for XXXX XXXX monthly payments, and the extra amount would cover any accrued interest. Which at the time, sounded fair. After making 5 monthly {$170.00} payments, I Called to see if it were possible to lower my monthly amount. Again, I was offered something I didn't ask for ... .now bi weekly {$93.00} payments. I regrettably agreed to this amount, because {$170.00} is a huge chunk all at once ... ..and that's where the REAL trouble began. I recieved a reminder email for my upcoming payment on XX/XX/XXXX. My principal ( AFTER ALREADY PAYING {$700.00} ) was {$410.00}. I went to pay loan in full and on their web account, it says I owed {$550.00} still! I emailed several times, made phone calls, nobody can answer where my {$700.00} payments went!!!!!! They are stealing my money. The only response from " XXXX '' even remotely touching the subject was as generic and unhelpful as these auto responses on this page. She tried to make it sound as if I extended my loan, but evem then I asked her how I would ever pay off my loan if every month my principal amount JUMPED by {$150.00} without ever even missing a payment? Literally impossible to ever pay off and it makes XXXX sense. 

I am doing everything I can to at the very least, be treated fairly. XXXX also presumed to highlight because they're tribal, they do not hold the same laws. But I do not believe that is any sort of immunity for all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
Reason for complaint : We have a trust account with Truist Bank which includes a checking account, savings account and debit/credit card. As of Sunday, XX/XX/XXXX we have not been able to view our account balances and activity. As of this writing, XX/XX/XXXX, we are still unable to access our accounts through the Truist app or by going to their website, Truist.com. I was unable to contact anyone person or department as the bank was closed on Sunday and the recording said their business hours were from Monday to Saturday. We were not aware of this and we could not contact the bank in case of a need on Sunday for assistance. 

On Monday, XX/XX/XXXX, I contacted Truist customer service to find out why I was unable to access our account. After being transferred several times, I was told our accounts were blocked however no one was able to tell us why and we were directed to contact the local branch of Truist as they were the only ones able to correct this. We contacted the branch of Truist located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida, XXXX on XX/XX/XXXX and spoke with XXXX who is the Branch Manager. I was told that the account was blocked because there was a system update over the weekend and some documents were required by the bank before we could access the account and that we must come in to complete and sign this document. We went home to complete the 4 page Trust Certification along with copies of our drivers license and personally delivered this to the branch on XX/XX/XXXX. We were also told that we MIGHT be able to have access by Friday. 

This account was renamed as a trust on the advice of our attorney in XXXX of XXXX and owned individually prior to that for probably 2 decades. At no time were we informed that this documentation was necessary nor we informed that the accounts would be blocked. All of this could have been prevented if we had received communications by text, email, phone or mail that the document was now necessary. Had this occurred we would have gladly obliged and completed the form prior to blocking access to our account. If this type of action by the bank was not illegal or regulated, it should be! Banks should not be able to take this type of action without informing the customer in advance. 

I have had interaction with this Truist Bank branch personnel previously and customer service ( and attitude ) is non-existent and remains so to this day. 

We are very concerned and worried since we are unable to see balances and activity in these accounts. Everyone is told to monitor their financial accounts frequently and report any unusual activity to the financial institution. Since we are XXXX seniors and for us it is important that we keep track of what we have since this is all we have! 

Still waiting

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 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/23 -- - : I have several times disputed with Transunion in reference to the US Dept of EducationXXXX XXXX student loan reporting now incorrectly as Open with a $ XXXX balance. I received a letter from XXXX stating effective XX/XX/23 ALL of my student loans had been forgiven ; now loans have a XXXX balance therefore status on any of my credit reports should now be this US Dept of EduXXXX XXXX student balance now XXXX ; Status/Remarks should now be Paid. Closed. ( I have attached copy of XXXX letter stating ALL of my student loans have been forgiven effective XX/XX/23 )

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 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: IA

Complaint narrative:
I had my identity stolen, and didnt find out for years later when I went to buy a vehicle. Im trying to distort these since I was not the one that gained from this, but a victim of theft. Please help me to rid these from my credit report. Im trying to get help with these. I appreciate all your kindness. There were 4 acts I found.. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI dont have the rest of this act number sorry.. please help me rid this from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with Equifax on XX/XX/2023 to have a medical collection removed, given that a new CFPB announcement stated that no medical debt greater than {$500.00} would be reflected on consumer credit reports. The medical debt in question is for {$160.00}. On XX/XX/2023, Equifax did not remove the collection, but stated that it was accurate and would remain. Let it be known that other disputes were opened with both XXXX and XXXX to which both removed the medical collection. Im unsure why Equifax is the only bureau to not remove the collection, but given past history with bureaus not updating and reporting accurate accounts, Id like to have this matter reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXXXXXXXXXX XXXX Veteran. Under federal law my income is exempt from garnishment. A collection agency received a writ of garnishment and Bank of America garnished the funds from all of my accounts with their bank. I am left with a XXXX balance on each of my four accounts. One of my accounts is shared and therefore, is not able to be garnished. 
All the sources of deposits into my Bank of America accounts are from the Veterans Administration with the exception of funds from my insurance company to do repairs on my property. 
I am now left with no money in my 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 monetary relief
Consumer complaint received 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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 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 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 non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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 : # XXXXXXXX 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 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 2023-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report. 

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX applied for a new auto loan after her vehicle was totaled in a car accident in which the other party is at fault. The credit union sent her a denial letter stating that she had poor performance with them when in fact she had made every payment on time on her vehicle until her vechicle was totaled and the insurance company and XXXX insurance did not cover the remaining costs of her vehicle. 
The credit Union falsely reported that she had a garnishment or judgement which is also false. She has no judgements against her. The credit union used information against her they received on a non member, using that non member 's information without his consent. There was a judgement but that was against a man who is not a member of this credit union and thus his information was compromised by this credit union to harm him as well as XXXX XXXX XXXX XXXX contacted the credit union and the credit union refused to act so here we are.

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 2023-02-18 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am being robbed by a merchant and their employees of {$3600.00}. Wells is profiting off of the interest accrued over the last year of me fighting the charge. They are refusing to reverse the fraudulent transaction. This is causing me financial harm and harm to my once perfect credit.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result. 

The credit agencies that was in involve XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am XXXX XXXX and Bank of America withdrew {$1400.00} from my checking account my mother opened up for me at XXXX. I am XXXX XXXX XXXX and i was told my mom could not manage my account anymore and was told I didnt need to remove her. BOA XXXX XXXX XXXX XXXX leaving it impossible for her to catch up with payments she was having sent every pay period. They closed her account so she couldnt continue making the payments. Now they have taken my money for college that was deposited in my account, leaving me XXXX cents. They have taken up to {$1800.00} from my that came in my name and they had purchases be returned and charged me NSF for that XXXX purchase.

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 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, a letter was sent from XXXX that the investigation was underway and I would receive a response. 
On XX/XX/XXXX, a letter was sent with an enclosed check for {$120.00}, dated the XXXX. The letter stated a separate response will be mailed detailing this regarding the credit card that has been closed. 
I contacted the listed person, XXXX XXXX for clarification and left a voicemail XX/XX/17. 
This can not be the amount to suffice a credit card opened for {$1500.00}. I was to receive my refund once the full {$140.00} was paid. Instead, it was closed and the money has still not been returned. 
In addition, this information is still reporting inaccurately on my XXXX and TransUnion reports.

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