vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The below 1 item ( s ) were not submitted and need your attention. 
Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$23000.00} as of XX/XX/XXXX Status Open. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Payment never late Additional information SEE FTC and CFPB report You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at XXXXXXXX

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is pertaining to a large " Travel Rewards '' redemention of approximately ( XXXX ) points that my husband XXXX XXXX XXXX and myself XXXX XXXX XXXX requested on XX/XX/XXXX from a phone call made to a " XXXX. '' XXXX, stated after giving her the appropriate banking account number, which XXXX has on file account ending in XXXX. She advised us that the payment of {$2700.00} would be deposited in our account within XXXX business days by XX/XX/XXXX. She told us if the funds don't hit the account to call back. On XX/XX/XXXX we called again and spoke to " XXXX '' who stated there was a problem with a " Fraud Alert '' on the account and that's why the funds had not been transfered. I told XXXX this was the first we heard of this problem and " NO ONE '' from the Fraud Department reached out to us. He reassured us that he will take care of the problem and funds would be deposited in the account ending in # XXXX within the next 3-4 days and we did confirm the account name and number with XXXX as XXXX. 

Calling back again today XX/XX/XXXX after speaking with both " XXXX XXXX '' and " XXXX XXXX '' both wanted me to explain the reason for my call again!! At this point totally losing my cool!! NO ONE with Chase knows whats going on with our complaint nor do they love to continue to " apologize! '' We just want the problem to be handled and rectified and want our Travel Rewards Redeemed to us as we have been waiting weeks for these funds!! 

How frustrating to say the least the handle their customers this way. We have had this credit card with Chase for 6 years... they have no common courtesy to call us nor send a letter explaining the delay. They are holding our Rewards Points hostage and have NO plans to send us our money within there guidelines of 3-4 days of redemention!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I wish I had a paper trail to back this up. I do not. 

I took out a loan for a XXXX XXXX with Credit Acceptance. The car ended up being a lemon ( the day I got it the XXXX smoked in my driveway and it has been a night mare since. 

I had enough and asked them to get the car- voluntary repossession. I was clear from the start. 
The company asked many times if I wanted to take it back I say no. The repossession is even on my credit report as Voluntary repossession. 

There was a note in my online correspondence and I spoke with a representative- they said the auction will be held XX/XX/XXXX. Again I remember hearing this and seeing this in their correspondence. 

Credit acceptance also took out the money for the repossession fee autimaticallly ( I believe I can get the payment for that- if they havent deleted that ) The letter correspondence was deleted. No where to be found. I called yesterday to get a update on the auction- ( XXXXXXXX XXXX EST on XX/XX/XXXX ) This particular representative said let me get you the info to get the car out I said no I do not want it back, it was supposed to be auctioned off They said it has not been sold, even been to an auction and XX/XX/XXXX was never a thing. 

I am paying a insane amount of interest ( bad credit, people like me get screwed over ) and I just wanted a new balance.

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 2024-05-08 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
They didnt inform customers that they were going to change the bill pay pages. I have setup future payments previously, but now I see they have a different format and I cant see the payments I had set up. Now I dont know if Im double paying or not paying at all. Which may cauce damage to my credit score. Im in the blind with my payments. I dont know why, at a time when people do not trust banks, why they would do something like this. I had no complaints before. Who decided to do this? Why would they change what was working. I dont trust this bank anymore and plan to change to another.

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 2024-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I attempted to mobile deposit a personal check from my son 's Grandparents in the amount of {$1000.00} to his Truist Savings Account, a gift for his college graduation. The savings account ending in XXXX has been in place since prior to Truist acquiring Suntrust. Ever since Truist has taken over SunTrust, the excessive fees, holds, inability to speak with a representative in the United States and more has been common place. As soon as I finished making the mobile deposit, I receive an email that said that a hold has been placed on the check until XX/XX/year> ( today is XX/XX/year> ) because an amount similar to the {$1000.00} has not been mobile deposited to the account ending in XXXX in recent months. It is my understanding that per Federal Law, a financial institution can only place a hold on funds for the following reasons : 1. ) This is a new account.

2. ) The deposit was made from a non-Truist ATM.

3. ) The deposit amount was {$5000.00} or more.

4. ) The check was returned and redeposited ; or 5. ) There is a reasonable expectation the bank will not be paid ( Truist will not be paid by XXXX ; the bank the check originates from. ). 

None of these instances apply. I understand funds not being available until the next business day ; however, placing a hold on funds in the amount of {$1000.00} written on a XXXX personal check from my parents, is not appropriate and seems borderline unlawful. Again, this was a deposit to a XXXX Savings account ; not a withdrawal, nor a substantially large deposit such as funds from the sale of a vehicle, goods, or property.

Please advise as to what recourse I have other than moving all of my funds from Truist to an alternate bank in the near future.

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report 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
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report XXXX  - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I no longer host possession of this credit card. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately. A Fair solution would result in removing this inquiry altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-08 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am writing regarding an issue with my mother 's Bank of America credit card. Her name is XXXX XXXX. My parents had me listed as a joint owner on their banking relationships and other accounts so I could handle their affairs and take care of matters upon their passing. My father passed in XXXX. My mother had a credit card with BOA, and I was not, at my request, on that card. My mother passed on XX/XX/XXXX, and I immediately notified the Bank to cancel her credit card. This was timely done. I, also, through online banking paid her card balance of {$41.00} on XX/XX/XXXX- I paid all my parents ' bills for years. 
BOA later debited her checking account for {$41.00} on XX/XX/XXXX- despite ( XXXX ) credit card balance was XXXX ; ( XXXX ) the credit card had been closed ; and ( XXXX ) when I called to cancel the card, was told any automatic bill payments would stop. I have spoken to personnel at BOA in retail, credit card and the estates division to have the funds credited back to the checking account [ which was in both my Mom 's and my name- now, in my name ]. No response after almost XXXX months. I am requesting that the funds be refunded to the checking account and a check not disbursed in my XXXX  XXXXXXXX XXXX name as she has no other probate assets. And it was an error on BOA 's part to take the second payment.

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 2024-05-08 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-08 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account Name : Online information service Acct. # XXXX, Account Name : Online information service Acct. # XXXX, Account Name : XXXX XXXX XXXX. # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX. # XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXX XXXX Act. # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXX # XXXX Act. # has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have TWO credit inquiries from XXXX XXXX XXXX XXXX for a car loan. 
1.credit inquiry on XX/XX/year> XXXX credit inquiry on XX/XX/year> 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have TWO credit inquiries from XXXX XXXX XXXX XXXX for a car loan. 
1.credit inquiry on XX/XX/year> XXXX credit inquiry on XX/XX/year> XXXX

Company response to consumer: Closed with explanation