vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I have opened a new checking account with Suntrust and it was approved on XXXX XX/XX/XXXX. I went ahead and provided direct deposit details to my employer who wet ahead and deposited my 15 days salary of around {$4500.00} which came to account on XXXX XX/XX/XXXX. 
However, when i tried to login online on XX/XX/XXXX XX/XX/XXXX, I came to know that my account has been freezed after talking to customer care. They told me that I will not be able to access my account as it is in process of getting closed. When i asked on the reasons which triggered this problem, they mentioned they were not aware of any reason and I would get a letter explaining the reason and a check for my balance ( approximately {$4600.00} ) in a month of so. 
I offered to provide any missing information to continue my relationship or to get faster access to my funds but I was informed that neither of them is possible. 
I even explained them I am already banking with XXXX which is same bank now but to no effect. 
I am finding it very difficult to understand why would they approve my account, accept a direct deposit from my employer and now close the account with no explanation provided or seeking any missing information from my side. I did not made ANY transaction at all which could have triggered any reason to close my account. 
Most importantly, they have blocked my complete 15 days pay check of {$4500.00} which i need immediate access to in such uncertain times of corona-virus pandemic. 

My Account number - XXXX Thanks 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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have had my XXXX  XXXX account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted XXXX  XXXX directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have had my XXXX  XXXX account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted XXXX  XXXX directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.

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 2020-06-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on Experian and I can not even access XXXX XXXX or XXXX do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my Experian report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XX/XX/XXXX o Experian shows XX/XX/XXXX I have never applied for credit, which includes the accounts on my Experian report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXXXXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( 17 inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX   that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX   XXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX   ( 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 explanation
Consumer complaint received 2020-06-02 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: IL

Complaint narrative:
I contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is CREDIT FIRST/FIRESTONE ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
on XX/XX/20, i received an email from XXXX thanking me for a {$100.00} gift card purchase for XXXX. i do not know a XXXX, so i knew this was bogus. i immediately contacted XXXX to say i did not buy a gift card, and XXXX deactivated my account and canceled the gift card. but they did not refund the {$100.00} charge. 

i also contacted chase.com to say that apparently my account had been hacked because someone had made a {$100.00} purchase with my credit card. chase sent me a new card and opened an investigation. they contacted XXXX   for more information and XXXX provided chase with my name, address, email, phone number and credit card number. chase determined that if XXXX   had my personal information then the charge was valid. 

i did not have a XXXX account, although i had had an account with one of their affiliates, XXXX ( i believe XXXX has acquired XXXX ). i was appalled to find out that XXXX had my personal information in the first place. i had previously used my chase card to have food delivered, but that was a one-time order, i did not authorize XXXX to keep my information on file. that XXXX 's lax security allowed a hacker access to my personal information is not o.k. 

that chase would deny my fraud claim on the basis of information provided by XXXX -- information i had no idea XXXX had in its possession -- seems to me a violation of federal consumer protection regulations. and that is the basis of my complaint. 

i have corresponded and talked on the phone to several people in chase 's fraud investigation department. again and again they've told me that if XXXX   had my personal information then i am responsible for the {$100.00} charge. that can't be right. 

although chase promises to protect its cardholders, it is not providing any protection for me, its customer in excellent standing for 10 years. here 's what the chase web site states : " Your security is our number-one priority ''. it further states " You wont be held responsible for unauthorized charges made with your card or account information. '' that's balderdash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/20 I mailed certified letters to all three credit agencies, XXXX, Transunion, and XXXX  regarding a delinquent account being reported by XXXX XXXX XXXX. I was requesting verification of the account. XXXX responded on XX/XX/20, XXXX   responded XX/XX/20, Transunion XX/XX/20, all three agencies stated that the account was verified and updated on my credit report. I submitted a second request to the agencies requesting their method of verification. XXXX  responded back after my second request on XX/XX/20 stating that upon their reinvestigation the account was deleted and my credit report was updated. I received a second response from Transunion and XXXX again stated that their reinvestigation of the account in question was again verified and updated. I sent a third request for method verification to both Transunion and XXXX and provided them proof of the removal of the account from my XXXX  report. After three rounds of request for their method of verification, I received the same response that the account from XXXX XXXX XXXX has been verified and updated. I don't believe that a thorough investigation was done as required under the FCRA. XXXX reached a settlement with the federal government regarding their unfair practices. I fall under that lawsuit umbrella and DEMAND that XXXX XXXX XXXX is removed from my Transunion and XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
Real Time Resolutions ( RTR ) was sending me statements for years, every time with different amount on it. Lately I was trying to finally call and resolve it.

-RTR is presenting themselves as a Mortgage Company ( No mortgage License in NY State ) .After inquiring about their license I received a letter that they are a collection company .FDCPA violation. ( letter attached ) -RTR Collecting a Debt that is 12 years old. Statue of limitation is passed 6 years already .FDCPA violation -RTR cant prove that they owe the debt or that debt were assigned to them.FDCPA violation -RTR doesn't stop mailing statements even after validation, disputing and exchanging about 8 letters .FDCPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a response back from Experian as well as XXXX stating that there was no update to the accounts in question ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ). After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response.

Most recently I have sent letter to the Credit Reporting Agencies ( XXXX, XXXX, Experian ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question

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 2020-06-02 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: CA

Complaint narrative:
On XX/XX/XXXX I received a response back from XXXX as well as Transunion stating that there was no update to the accounts in question ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response.

Most recently I have sent letter to the Credit Reporting Agencies ( XXXX, Transunion, XXXX ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question

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 2020-06-02 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: CA

Complaint narrative:
On XX/XX/XXXX I received a response back from XXXX as well as XXXX  stating that there was no update to the accounts in question ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response. 

Most recently I have sent letter to the Credit Reporting Agencies ( Equifax, XXXX, XXXX ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

EQUIFAX XXXX {$7000.00} XXXX  XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This is the third time your fraudulent institution has damage my person and personal consumer profile with an alleged debt that you are collecting that has already been proven not in compliance and unable to be verified. This account has already been removed from my consumer credit report twice but here you are again fraudulently trying to masquerade as a creditor when in fact you are a debtor and a trespasser on an alleged original consumer contract that you were never a party too. 

I am well aware of the FACT that YOUR Firm has a MAXIMUM of 30 days to PRODUCE ALL of the mentioned information in detail on the attached document, PERFECTLY without a single mark or error on even ONE of the many a multitude of items and data entries of which you MUST demonstrate to ME physically with irrefutable documentary evidence of certified truthfulness and equally of adequately accurate, complete and timely reporting above and beyond compliance. If your firm CAN NOT produce ALL of the above-noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered to me under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the postmark date of this validation demand to answer.

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 2020-06-02 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: FL

Complaint narrative:
These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

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 2020-06-02 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: FL

Complaint narrative:
These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: VA

Complaint narrative:
I don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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 explanation
Consumer complaint received 2020-06-02 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: VA

Complaint narrative:
I don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation