vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used a promotional balance transfer check from Truist bank and they didn't pay the check when it came through because they said there was a problem with my signature not matching. I was sent a copy of the check and it was my signature. I called them and they said to go in to the bank to get it straightened out. ( was not my fault ) I went into the bank got everything straightened out and they told me to resubmit the check. I resubmitted the check a second time to XXXX XXXX and again Truist did not pay it so I was charged a 2nd bounced check fee. I had the bank manager look into it and he made several calls on my behalf and finally they are telling him it's not being honored because the promotion is over. Originally when I first deposited it was within the timing of the promotion and they said the reason was a problem with the signature. They keep changing the reason and have cost me {$40.00} in bounced check fees.

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 2022-09-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a certified letter asking the Credit bureau to do a thorough verification on my credit report and they did & they stated everything was accurate after. I actually performed my own research after and the information in still is inaccurate. 


XXXXXXXX XXXX # XXXX Account # : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated, XXXX XXXX  XXXX my rights 1518 A 1881 saction 602 A. States I have the nant to pnvacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructons

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Since XXXX, I have been a victim of identify theft. I responded by adding freezes and fraud alerts with all 3 credit bureaus. In the process of communicating with Experian, I realized that someone representing me has created an account with their email linked to my name and SSN on Experian. What this means is that any time I add a freeze that person has the power to undo this. 

I have called every number I can find for Experian during business hours and have not been able to reach a person. The automated phone system does not respond to my request to speak to someone about this matter and will only let me use their automated system to add or remove a credit freeze. They explicitly tell me they can not connect me with a representative. 

I am left without any option. I know that my credit freeze has already been lifted once, resulting in a fraudulent credit pull with XXXX Bank for a XXXX XXXX Credit Card. I know this because I froze my credit with Experian on XX/XX/XXXX. I called several times to confirm the credit freeze was in place, which the automated system verified. But then a credit pull was made on XX/XX/XXXX and I called Experian today and the freeze was not in place. 


The attachment is a screenshot from experian website revealing part of the email address that is connected with my account. I do not know or have access to that email address.

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 2022-09-02 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: GA

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  accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account XXXX XXXXXXXX, XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXXXXXX 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 ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: GA

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  accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account -XXXX XXXX XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-09-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase refused to accept a wire to the account I have. They said they automatically sent it back to the sending bank. When I asked for the IMAD number they stopped responding. They said they wired it back on XX/XX/XXXX. The same day it was wired. However, the original sending bank said they never received the money. Ive tried to get information and follow up but chase will not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Account number XXXX with Capital One Auto Finance is reporting as a charge-off on my consumer report. Per the 2021 IRS publication, any cancellation of debt over {$600.00} must be reported as gross income gained in the year that the event occurred. Income should not be reported on a consumer report. I have yet to be sent a 1099-C form for the cancellation of the debt. Delete this account from reports immediately as it is no longer considered debt, it is considered income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have three mortgages with Mr. Cooper, which I pay online. For some reason, when I made the three XXXX payments, Mr. Cooper 's system only processed two of them. When they notified my by phone of the problem, I immediately made the missing payment by phone. I also proactively submitted my concern to Mr. Cooper 's Research Department to ensure that a late payment was not reported. unfortunately, although I have not heard from their Research Department, they have now reported this payment as 30 days late. I would like this late payment to be reversed on my credit reporting, as I did make the payment on time online ( though their system apparently didn't process it ) and immediately made it again upon being called by Mr. Cooper. 

The loan number is XXXX, and the address is XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I requested verification of the debt in XXXX of XXXX and XX/XX/2022. I have yet to receive anything showing I owe Portfolio Recovery anything. No signatures from me. I've attempted to resolve this with the credit bureaus to no avail. I gave verbal cease and disist over the phone and they have not complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: TX

Complaint narrative:
On XX/XX/2022, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be 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
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2022 I sent Experian a letter requesting what method you used to verify the bankruptcy on my credit report. On XX/XX/2022 they responded with them have verified it with XXXX. On XX/XX/2022 I sent them documents from XXXX showing bankruptcy removed and was no longer in their Accurint Database. I also sent a document from the courthouse showing that they dont communicate with the credit bureaus and no bankruptcy in my name.

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 2022-09-02 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have contacting these companies several times. I have notified them several times that the accounts they are reporting are fraudulent accounts that were not authorized by me. XXXX XXXX stated they were going to resolve the issue. I've spoke with several reps with most of them saying they don't see the investigation. LvNv funding only updates the report as disputed and they continue to verify the account as accurate and it's not. XXXX XXXX same issue as LVNV funding. It makes no sense that I'm having to fight so hard to get my idenity back and these companies allowing people to open accounts in my name. XXXX has allowed these thieves to open not one but 4 cards in my name 2 of the four is with the same store. This has made my life XXXX. And the worse part whoever took advantage of me did it while I was in an induced XXXX  waiting for a XXXX XXXX. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a charge on my account that isn't from me, however it is XXXX and I was told there isn't much the bank can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
XXXX XXXX has just dinged my score, due to a fake debt & has done nothing to actually help customer

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 2022-09-02 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: TX

Complaint narrative:
On XX/XX/2022, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be 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
Consumer complaint received 2022-09-02 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: TX

Complaint narrative:
On XX/XX/2022, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 consunter reporting agency can not furnish a account without my written instructions

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 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: NC

Complaint narrative:
My Car Loan financed from Volkswagen Credit for my 2016 VW Jetta S was paid off on XXXX. My early cancellation of Service Contract refund of {$1100.00} was sent to VW Credit on XXXX instead of sending it to me. 
It has been more than a year Volkswagen Credit has not issued that refund back to me since I had my account closed already by paying off all loan amount to Volkswagen Credit. 
I have been calling VW Credit in every few days to request for refunding me amount of {$1100.00} and has been receiving the same message over call that they will get back to me with an update, however no call backs are received from past one year. 

My enquiries with XXXX Volkswagen of XXXX reveal that Volkswagen Credit has cashed that check already on XXXX but no further action taken by them to refund me that amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand that the accounts listed below be permanently removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX  XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX Months Reviewed 35 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$360.00} XXXX XXXX XXXX XXXX {$360.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 consunter reporting agency can not furnish a account without my written instructions

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 2022-09-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 consunter reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation