vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX XXXX Online account was hacked into and {$5800.00} stolen in XXXX separate transactions I informed the bank as soon a I saw these transactions within a few days They sent a replacement card twice and during that time more money was taken and informed me I could not change online banking details until I received my new card They were very negligent not keeping my money safe from the first fraudulent transaction that it happened again Now I am fighting to get my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 I opened an account with Truist with a promotion that included a {$500.00} bonus if you had XXXX direct deposits of over {$1000.00}. As part of the account opening process, I sent a real-time transfer from another bank account I am on in the amount of {$50.00}. On XX/XX/2022 after the deposit had posted, I was no longer able to access the account. I contacted the bank and was advised that there was suspected fraud on the account and that it had been closed. I was advised that a pending direct deposit from my employer that was already scheduled to post to the account would be returned. I also received a letter in the mail explaining that any deposits on the account would be returned within 10 days. I was told over the phone that the only way to get the money out of the account is to go to a branch with an ID. I explained that I do not live near a branch with the closest one being about a XXXX hour round trip drive. The agent said that once the account closer was finalized that funds would be returned. 

My employer informed me today that the direct deposit in the amount of {$500.00} that we expected to be returned never made it back. I contacted the bank who apologized that I was informed it would be returned as the " account is closed to all postings '', but it will not be returned. Furthermore, the bank informed me that my ONLY option is to make the trip to a branch and there is nothing they can or will do. I have offered a notarized letter proving my identity and was even OK with them reversing all transactions on the account so that the funds go back to where they came from. They have refused all of these solutions and are holding my money hostage. Although I do not live near a branch, I opened the account because it said it was open to Ohio residents so I was going to use it as an " online '' bank. I need to get my money out of this account or returned to where it came from.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have written several letter to the bureaus about inaccuracies on my credit profile. it keeps updating there wasn't a valid investigation done

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 2022-03-04 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: SC

Complaint narrative:
Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. Equifax said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have good credit scores. I recently applied for a home mortgage loan with several mortgage companies. I have a good job. I should be approved for a credit card application. My application ID is XXXX. Capital One N.A. is located in XXXX XXXX XXXX, UT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life

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 2022-03-04 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: SC

Complaint narrative:
Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. XXXX said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid my XXXX credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via ACH direct deposit on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from XXXX and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} XXXX  Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that XXXX  reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as XXXX literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as XXXX has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.

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 2022-03-04 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: GA

Complaint narrative:
I have written several letter to the bureaus about inaccuracies on my credit profile. it keeps updating there wasn't a valid investigation done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have written several letter to the bureaus about inaccuracies on my credit profile. it keeps updating there wasn't a valid investigation done

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 2022-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
In XX/XX/XXXX my husband and I applied to Nevada State Bank for an Equity Line of Credit. The documents were submitted by the branch to their central loan department. Zions Bancorporation issued a XXXX XXXX XXXX XXXX on XX/XX/XXXX, for almost {$200.00} XXXX less than the amount we paid for our home the year before. We were told that the low appraised value was sufficient to approve the amount we requested. All documents requested were submitted quickly. This equity line of credit application remained outstanding until XX/XX/XXXX when we withdrew our application because we were tired of the delays. 

At the end of XX/XX/XXXX, we applied to XXXXXXXX XXXX for an Equity Line of Credit with the same terms and promotional interest rate. They appraised our home at {$130.00} XXXX more than our purchase price which corresponds to the rising market values in our area. Within 3 weeks of our application we were offered a line of credit 150 % higher than the amount we requested. The difference in the treatment from the two banks makes me wonder if other minority applicants are treated in a similar manner as we received from Zions Bancorporation.

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 2022-03-04 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: Social Finance, Inc.
State: CA

Complaint narrative:
I applied for a personal loan through SoFXXXX on XX/XX/XXXX. I was denied despite having a high credit score and providing income documentation. I called SoFi and the customer service representativesaid to submit additionaldocumentation. She said my credit wouldn't be checked again. 

I submitted additionaldocumentation. 

SoFi then checked my credit again on XX/XX/XXXX resulting in another hard inquiry on my credit report. 

I called the company to complain in XX/XX/XXXX and SoFi said it would remove the second inquiry. As of XX/XX/XXXX, SoFi has not removed the second hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: VA

Complaint narrative:
I am not liable for this debt with XXXX UNIVERSITY and do not have a contract with ACCOUNT CONTROL TECHNOLOGY. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX  ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.

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 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
I cant believe Im having to submit yet another complaint against this awful company. Please feel free to see/reference the laundry list of other issues Ive had with National Credit Adjusters XXXX 
After making false promises and being bullied into paying an alleged debt in full ( they preyed on the knowledge that I was trying to purchase a home ), NCA has now decided to threaten me with an alleged 7 year old debt.

We opened an investigation into this alleged debt a year ago, and the debt was found to be erroneously reported and falsely reported information. The alleged debt was immediately deleted from all bureaus. They are now threatening to re-report the alleged debt if I dont pay. 
It is against the law for credit agencies to report debt they know is inaccurate, and if the dent was found to be erroneously reported it can not be re-added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any SBA loans to help me through this crisis

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 2022-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello I have a credit card dispute that has negatively effected my credit due to a card that I don't have and was used a few months ago and now it has ranked up late charges, the starting amount {$86.00} on XX/XX/2021 and now the total amount with late fees is {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04 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: Upstart Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I received a packet from UPSTART Network for an account that is listed as a Charge Off and is reporting on my Consumer Report. The IRS deems a Chargeoff account as income and you report it on Form 1099-C to the IRS. So this means this company is fraudulently reporting income to the credit reporting agencies which is a violation of the law. I have disputed this with the company and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: OH

Complaint narrative:
Transactions without my approval

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 2022-03-04 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: SC

Complaint narrative:
Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. XXXX said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage

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