vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX. I discovered XXXX was being paid to a XXXX XXXX XXXX. It happened in XX/XX/XXXX, XX/XX/XXXX, during a payment freeze/ holding. Therefore, I never noticed the transaction. XXXX XXXX XXXX, is company I thought I'd disconnected from my account by cancellation in XX/XX/XXXX ; after closing and the disconnection of XXXX XXXX. XX/XX/XXXX, was the initial payment date. They were paid from card ending in XXXX, since the cancellation I was issued a temporary card ending in XXXX. Also, I was told the past card numbers would be deleted from the system. The branch XXXX XXXX XXXX at the time showed me he deleted the past card numbers. 
XX/XX/XXXX, I discovered XXXX XXXX XXXX was being paid from my account through a different email address which, was XXXX. My only connection and payment to XXXX XXXX XXXX was offline, in paper format and notification through XXXX mail. When I spoke with a representative at XXXX XXXX XXXX in XXXX, I was surprised because, I remember complaining to their administration about XXXX of their receptionists and other problems, which is why I didn't want their services any longer. 
When the refund was returned in XXXX XXXX, I never received their confirmation email ; I asked her/ them what email they had, she gave me someone else 's. I had to give them my old email on XXXX XXXX, XXXX, to get a cancellation notification. That's when I discovered someone, using the Truist XXXX, paid them without authorization in XXXX, XXXX and never contacted me for the authorization. When XXXX XXXX XXXX contact them by cancellation email alert, they XXXX have come up with a counter scheme, using force, or an illegal activity continuing an entity or XXXX. procedure against me without a court proceeding, to pay XXXX XXXX XXXX for their ID or XXXX. This same someone is causing my bank summaries to come late ; I usually get them before the XXXX of each month. Someone's causing a hold and I'm being overcharged or robbed by a theft act. 
There's more going on here than banking ; it's XXXX profiling, discriminatory acts, for use of retaliation by force and entrapment, an act to curve my growth with TRUIST by forcing incompetent impulse mannerisms or abilities to reason. An error in research is at practice, disqualifying me for uses of intelligence. It's career vs. curriculum education and how XXXX. entities handle complaints by recipients of services instead of developmental practices ; that's unfair, deceptive and constructive fraud in a feudal administrative system.

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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-25 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX reaching out because I found multiple inquiries from your company on my credit report that I did not approve. I have not applied for any services that would warrant these inquiries, and I am deeply concerned about how they got there.

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 2025-02-25 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: MS

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$18000.00} XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX - XXXX - XX/XX/XXXX - {$61000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
To whom this may concern : There is a debt on my credit report that is not mine the report was opened on XX/XX/year> for the amount of XXXX dollars. The company JEFFERSON CAPITAL SYSTEMS XXXX reached out to me before and I told them I never had an account that concurred with this debt. Yet they never gave me a solution that we could do to get this off my report. They told me it was for a mobile service and the date of the credit are impossible for me because I was with 2 other companies in the time span they gave me. I would like this removed some home because this credit was not me Im not sure how my name is on it weather it was a mistake or someone used my information to open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check into my Bank of America account at a branch. I asked the teller if there would be a hold on the check because I needed to cover some bills and was told that there would not be any hold. I was assured that the funds would be available to cover debts and for withdrawal in the morning. I did notify the teller that if a hold was going to be placed I would go cash the check and deposit cash. 

I received a receipt from the teller showing that the transaction was posted on the same day with no hold. I also checked my mobile banking app and confirmed this. I have a copy of the receipt. 

However, later that afternoon, I received an email from Bank of America informing me that a hold was going to be placed on the very same check. The email included the following statement : " If we didn't tell you about this hold when you deposited the check ( XXXX ), and the check ( XXXX ) clear, we'll refund any overdraft or returned check fees charged because of the hold. To get these fees refunded, call the phone number on your statement. '' I have incurred fees from my creditors due to returned items, and Bank of America is refusing to refund them.

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 2025-02-25 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:
Experian has failed to fulfill nit 's legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my experience, where Experian has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting Immediate corrective action to remove all disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
Experian has failed to fulfill nit 's legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my experience, where Experian has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting Immediate corrective action to remove all disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX 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

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 2025-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a primary VA loan that was modified and created a XXXX XXXX on my property that I do not have to pay back until XXXX. Unless I refinance or sell the home. I requested PHH to subordinate the loan in XX/XX/year> so they could go from 2nd to a 3rd position. Moratage escalation Manager XXXX advised me that would not be a problem and it takes about a month for the request to be approved by the VA. I sent my request up in late XX/XX/year>. I called PHH mid to late XXXX to get a update. I was told by another escalation manager that they are stopping all subordination, and this guidance came from the VA. I contacted the VA and spoke with Loan technician XXXX XXXX ext XXXX. 
I was told by the VA no such guidance has been put out by the VA. I eligible for the subordination request. " the loan is boarded, 2nd lien is covered by the VA and PHH should be able to approve my request. I have spoken with several people and the escalation dept. No one has answer as to why they are stopping these requests. " This is the only guidance I have '' same talking point repeated by different individuals. I have asked them is this the bank denying the request. By few individuals at PHH dept. I was told this the VA putting this information out. VA denies stopping any subordination request.

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 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: WLCC
State: MI

Complaint narrative:
I applied with Explore Credit back in XXXX of XXXX  Well in XXXX of XXXX to be exact on XXXXXXXX XXXX  someone from XXXX XXXX tried to go into my checking account and take XXXX, so I had to get a new checking account with XXXXXXXX XXXX I explained all of the above information to Explore Credit. Explore Credit went into my old closed account while having my new checking account information and debit the funds, well you can't take funds from a closed account and the strange thing is they went into my new account and debited the funds!!!!! Explore Credit comes back and tries to charge me XXXX for a late fee. I refuse to pay a late fee because my payments are automatically taken out of my account and it's not my fault that Explore Credit went into the wrong account!!! Since then I have been harassed, bullied, told my account was closed, sent email that I owe XXXX repeatedly!!!! My XXXX is high, my nerves are bad, and I'm tired of the foolishness!!!! XXXX texted me on XXXX at XXXX " XXXX XXXX XXXX This is XXXX from Explore. I'm reaching out because your recent payment was returned due to your account being closed. To help you, we are offering a 30 % off on your balance, which is a great opportunity to settle this matter. If you'd like to discuss this further, just let us know, and we'll be glad to give you a call ''. Text message Why would I need to settle when my payment are taken out of my account every week? 
Why would my account be closed? 
XXXX Text message XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited time chance to settle it for half your payoff balance. Call or reply to this message to discuss your options. Let 's work this out together! 

First, what's to work out together because I'm not behind on my payments??? My payments are automatically taken out of my account. I texted and said : " I don't have an unpaid balance, my payment are taken out every week ''!!!! XXXX texted back to say : " Sorry for the inconvenience, kindly ignore the previous message ''. I get another text message to XXXX from XXXX XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited-time chance to settle it for half your payoff balance ''. Now XXXX just sent me a message yesterday similar to the one today and told me to ignore!!!! I have emails on top of email and text messages. I could go on and on, but I refuse to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Items in Dispute Closed Account XXXX Opened XXXX XXXX, XXXX  Charge off {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5800.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IN

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-25 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-25 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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