vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: DC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
A XXXX  months ago I opened an account with Truist bank. I received a XXXX  loan type deal from a company and it was deposited into this account. My fianc and I were using that money to pay bills, I tried to send money to him via XXXX, Truist locked the account and flagged it for fraud. 

I reached out multiple times to Truist and received several different answers. I was told to go to the branch to receive my money, the branch couldnt do that due to the fraud department locking my account. I reached out on the phone multiple times and was given the runaround. I was then sent a letter stating that I would receive the funds from my account in a check or could pick up at the bank. It has been months and there is still {$990.00} sitting in a closed account and they will not release the money to me. They state I owe them money and I can not use the funds in the account to pay the debt and they will not release the money or reopen the account until that debt is paid. I dont trust paying them because my money will probably sit in there another year before they decide that I can have it again. 

Customer service has been very unhelpful with them and I have been told so many different things by the company in multiple different departments. I would just like to be able to have the money released or mailed to me in check form, or if they insist on receiving money relating to a debt, they need to use the money in the account.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I had a secured card with this company since XXXX. I had never had an issue with thin in the 5 & a half years of being a customer. I recently noticed that there were 2 late payments in my account for ( XX/XX/XXXX, & XX/XX/XXXX ). I was diagnosed with XXXX ; & was unable to work due to my preexisting conditions, coupled with XXXX made me bed ridden. That is why I fell short of making those 2 payments. I disputed the late payments ; only for this company to add 1 more late payment to my account ( an entire year after I closed the card with a XXXX balance, & 5 years after that first late payment ). 
I do not owe them, & what went from 2 late payments ; is now reflecting 3! I ask that the late payments all be removed for inaccuracy. I was a member in XXXX, of XXXX ; & personally spoke to a representative that removed that late payment while I was on the call. So, why add the late payment back 5 years after it was removed to hurt my credit? I am currently battling king XXXX? & XXXX XXXX I need these removed to get into transitional housing as I am homeless with XXXX kids. Please, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank Forever 21 did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address XXXX XXXX XXXX, XXXX MI XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1997 My only employer is XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: OH

Complaint narrative:
I dealt with this company almost 19 years ago and now they are contacting me again. They use the name XXXX, but represent many different collection agencies. They try to collect debts of deceased relatives. A debt of my late husband 's ( deceased 2004 ) keeps getting sold over and over. The debt was from a car he ( not me ) owned at the time of his death. The car had to be sold at auction and the dealer/bank did not get the value they needed. My name, social security number, employment, NONE of my information was used to apply for the loan or purchase the car. The car loan was applied for ONLY by my deceased husband! At one point I had to hire a credit attorney to issue several cease and desist letters. ERC uses threatening language and tell you you have to sell your home and they are going to come and put a For Sale sign in your yard if you do not pay them. They ask what assets you might have that you could sell or borrow money from others or they will begin contacting your children, employer, etc., etc. They are PREDATORS!! PREDATORS!! PREDATORS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/2022, while on XXXX XXXX with the Virginia XXXX XXXX XXXX, I applied for and was approved for, the American Express XXXX XXXX. While still on XXXX XXXX American Express charged the {$690.00} annual fee to my account. I immediately contacted American Express and and requested it be removed pursuant to the MLA. They denied it. I have since contacted them XXXX more times and asked for the fee to be removed. They denied the XXXX additional requests and have simply ignored my XXXX request. Now, I am no longer on XXXX XXXX. However, when I applied for the card, was approved for the card and was charged the {$690.00} fee, I was on XXXX XXXX. My XXXX XXXX status at the time I applied for and was approved for the card was greater than 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit Karma is always offering me Credit Cards on their application! They say I have good or excellent approval options but when I apply I am refused! This has caused many unnecessary hard pulls on my credit report! They have damaged my credit with these mis-leading advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: OH

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 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 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 crime 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 a 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 2023-01-24 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: OH

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 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 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 crime 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 a 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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Ive had an ongoing issue with my bank ( Truist ) since XX/XX/XXXX. I have been back-and-forth trying to get this resolved with both financial institutions. ( Truist and XXXX XXXX ) and still no resolution. The attorney generals office advised to contact the consumer finance department - It is imperative, I speak to somebody regarding this matter, not only to help resolve my issue, but because it was brought to my attention, that my bank, Truist, has committed fraud by illegally hand writing in an account number on one of my checks when they re-deposited for payment XX/XX/XXXX, I deposited four checks each in the amount of {$500.00}, totaling {$2000.00}. My bank took out {$500.00} on two separate dates. ( XX/XX/XXXX and XX/XX/XXXX ( total if {$1000.00} ) stating one check was returned and the other {$500.00} deduction out of my account was for an adjustment case. 
I have contacted XXXX XXXX numerous times regarding the situation, and after speaking to many representatives, including the supervisor XXXX at the corporate office, they all informed me and sent a letter and the checks stating that the checks were paid/cashed. XXXX XXXX advised me to contact my bank and have my bank contact XXXX XXXX to resolve. After my bank manager told me she was not going around and around with me anymore and removing this from her desk, I then contacted area supervisor, XXXX XXXX, up in XXXX, in which he told me, my bank manager should have stood by me until this was resolved, he promised the same Now he directed me to another branch manager up and XXXX XXXX, South Carolina, after speaking to her, XXXX, and explaining to her that XXXX XXXX confirmed the checks were paid, and that they asked for Truist bank to contact them to resolve, she ( XXXX Truist manager ) told me that they can not speak to XXXX XXXX. I work a full-time job, I am a single mother, and {$1000.00} is very valuable to me. I need help with getting this resolved and finding out who has my XXXX dollars. I appreciate your help in this matter and Im willing and able to send you any or all documents I have on this case. This has been a long drawn out process, that has caused me not only Time but a lot of XXXX XXXX. Thank you in advance 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 explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/2022 I sold my house and mortgage was paid in full and satisfied. my credit report shows account was closed and a balance is still due in XXXX. I want my credit reports to show mortgage has been satisfied and paid in full, not closed. I tried to contact the company but they say I don't have an account with them I tried to contact Experian, XXXX and XXXX and they said i need to speak to the lender, who will not help me. Attached you will find the letter of satisfaction and the date in which they received 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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Pentagon Federal Credit Union did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The XXXX XXXX limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

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 2023-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I have missed XXXX, XXXX, XX/XX/2022 payments and I had applied for the Wisconsin help for homeowners program in XX/XX/2022. On XX/XX/2022 a payment was made in the amount of {$8000.00} to Mr Cooper haf from whh program. To this day Mr Cooper is denying the payment occurred. I have contacted the XXXX XXXX XXXX  consultant XXXX  XXXX, the director of the Wisconsin help for homeowners program XXXX. The government of Wisconsin treasury. All have said the payment was made. Also they notified me that these payments are made in batches and that they have had problems with Mr Cooper with many other peoples accounts from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Please see attached complaint and supporting documentation which includes my identity verification documents as well as an identity theft police report signed by a law enforcement officer.

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