vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Currently, Im banking with Truist bank. The account was opened in XXXXXXXX XXXX. I had a deposit of XXXX which was a check. The check can be verified to allow me to withdraw some of the funds, but then placed the rest on hold and said it was due to fraudulent transactions. I am the only person that has been making any transaction on the account. I verified that all transactions were legit. My account went into a further hold and its starting to damage my business. I cant make any type of payroll or payments to my employees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
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, has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: State Home Mortgage
State: GA

Complaint narrative:
I closed on my house XX/XX/year>. My closing attorney called me XX/XX/year> to inform me my XXXX XXXX property taxes were unpaid and late. I called State Home Mortgage on that same day to tell them my property taxes were late and needed to be paid. The person I spoke to told me they didn't think they were late yet. He was wrong and I told him it was due XX/XX/year>. I was told they would be paid. On XX/XX/year>, I called State Home Mortgage again since the taxes still weren't paid. They told me I didn't have to keep calling, they would pay the taxes, and I wouldn't pay any of the fees and penalties that are accruing. It is XXXX XXXX and the property taxes still haven't been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I am the executor of my father 's estate, who passed away XX/XX/year>. The week of his death I experienced a series of unfortunate interactions with the XXXXXXXX XXXX XXXXXXXX Huntington Branch in trying to access his safety deposit box at the time. The week of his death I submitted to that same branch, upon their demand, death certificates for my father, his mother, and his father- all of which they said were necessary as they had no record of their deaths. This was of course not true as my grandfather was listed as deceased on the account but I obliged and provided those death certificates, along with my letters of authority from the court. After months of back and forth regarding next steps, the branch manager of the XXXX location XXXX XXXX provided written information regarding how to close the accounts held by the decedent at Huntington. On XX/XX/year> I mailed via XXXX with a signature required the information outlined in XXXXXXXX XXXX  directives to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to the attention of XXXX. According to the guidance sent the account is closed after receipt of the requested documents in 7-10 business days. Huntington Bank received these documents from XXXX on XX/XX/XXXX at XXXX. On the 14th business day, XX/XX/XXXX, I reached out to inquire about the status of these accounts and the documentation I submitted. It was at this point I was informed by a customer service representative over the phone that nothing had been notated or received for these accounts. This will have been the third time I submitted documentation noting all account holders were deceased and the bank been unresponsive to my requests for closure. In addition, the customer service representative asked why I did not just go to a branch to close these accounts which left me aghast as I have been in person and remotely trying to close these accounts for months with the proper court authority and documentation. 

Huntington Bank is now being intentionally obstructive to me carrying out my duties as the Personal Representative of this estate and preventing my family and myself from achieving the closure we desire in settling this estate. I am submitting this complaint in hopes that it highlights a pattern of intentional harm this bank continues to perpetrate against its customers by being unclear about its internal processes and preventing individuals from accessing assets that are rightfully theirs. I also believe that this is likely intentional - making it nearly impossible for individuals to remove their funds from their bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX lied to me and said they were going to sue me for a debt that was owed and agreed to take less the amount and said that I should receive a email about deleted the file off my credit if I paid them {$40.00} and they would not sue me and remove the debt from my record. With them threatening to sue me I paid the {$40.00} and they agreed to remove the collection debt. The debt was over seven years old and they changed the date to the original date on my credit reports and did not delete the account as they agreed to email me a letter for and the debt is on all three credit reports and the account is over seven years old. I do not even know what the debt was for but paid the {$40.00} to keep from being threatened and sued. They called me repeatedly and used law suit tactics and said they were hand delivering a letter to my address to be processed with the courts in my state. They never told me what the bill was for or what the account was for they were asking for payment. They called me every hour until I made a payment of {$40.00}. They lied to me about a bill I found was from XXXX and never told me what the charges, just constantly threatening to sue me and come to my residence or place of employment. I did not even look at my credit report to verify it. This is unfair practices to have someone give them money for a bill from XXXX that is now XXXX only to add it back on my credit report like it is a new debt to hurt my credit score and lied about deleting the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX lied to me and said they were going to sue me for a debt that was owed and agreed to take less the amount and said that I should receive a email about deleted the file off my credit if I paid them {$40.00} and they would not sue me and remove the debt from my record. With them threatening to sue me I paid the {$40.00} and they agreed to remove the collection debt. The debt was over seven years old and they changed the date to the original date on my credit reports and did not delete the account as they agreed to email me a letter for and the debt is on all three credit reports and the account is over seven years old. I do not even know what the debt was for but paid the {$40.00} to keep from being threatened and sued. They called me repeatedly and used law suit tactics and said they were hand delivering a letter to my address to be processed with the courts in my state. They never told me what the bill was for or what the account was for they were asking for payment. They called me every hour until I made a payment of {$40.00}. They lied to me about a bill I found was from XXXX and never told me what the charges, just constantly threatening to sue me and come to my residence or place of employment. I did not even look at my credit report to verify it. This is unfair practices to have someone give them money for a bill from XXXX that is now XXXX only to add it back on my credit report like it is a new debt to hurt my credit score and lied about deleting the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX lied to me and said they were going to sue me for a debt that was owed and agreed to take less the amount and said that I should receive a email about deleted the file off my credit if I paid them {$40.00} and they would not sue me and remove the debt from my record. With them threatening to sue me I paid the {$40.00} and they agreed to remove the collection debt. The debt was over seven years old and they changed the date to the original date on my credit reports and did not delete the account as they agreed to email me a letter for and the debt is on all three credit reports and the account is over seven years old. I do not even know what the debt was for but paid the {$40.00} to keep from being threatened and sued. They called me repeatedly and used law suit tactics and said they were hand delivering a letter to my address to be processed with the courts in my state. They never told me what the bill was for or what the account was for they were asking for payment. They called me every hour until I made a payment of {$40.00}. They lied to me about a bill I found was from XXXX and never told me what the charges, just constantly threatening to sue me and come to my residence or place of employment. I did not even look at my credit report to verify it. This is unfair practices to have someone give them money for a bill from XXXX that is now XXXX only to add it back on my credit report like it is a new debt to hurt my credit score and lied about deleting the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX of XXXX  an inquiry was put in my TransUnion report from XXXX XXXX. I never applied for a credit card from this company and would like it 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
The debt collector engaged in deceptive, and unfair practices of the FDCPA which is prohibited. They furnished this account that we did not agree upon and did not sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this fair practices. According to FDCPA I'm entitled to {$1000.00} per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Hello : I am writing to both the Wise support team as well as the supplier, XXXX XXXX XXXX XXXX, asking for resolution concerning transaction # XXXX. 

On XX/XX/year> I, XXXX XXXX XXXX, membership XXXX, transferred {$410.00} USD to XXXX XXXX Trading Firm account # XXXX through Wise. I have contacted the seller every day since then and the seller states that they have not yet received the deposit in XXXX account XXXX. 

My account was debited for {$410.00} on XX/XX/year>. 

Please reverse and refund my Wise transaction. 

Sent to both companies via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: SC

Complaint narrative:
My rights under the Fair Credit Reporting Act ( FCRA ) and related laws have been violated in multiple ways, and these violations have caused me significant harm and distress. 

First, my credit information was reported without proper verification of its accuracy, which is a violation of FCRA Section 616. This willful noncompliance is not only negligent but also punishable by civil liability, as it directly affects my financial standing and reputation.

Additionally, under FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of sharing my personal information. This omission is both deceptive and a clear infringement on my consumer rights.

Moreover, inaccurate inquiries and accounts were furnished on my credit file without proper validation, in violation of FCRA Section 623 ( a ) ( 3 ). These errors suggest a failure to follow appropriate procedures for ensuring accurate reporting, further compounding the harm to my credit report. 

I also experienced violations of the Debt Collection Practices Act, as debt collectors improperly contacted third-party credit reporting agencies and disclosed false debt information about me without my consent. This is a breach of rules designed to protect my privacy and ensure fair treatment.

In addition, my credit report reflects " late payments '' without any clear definition of what constitutes a late payment, which is both misleading and violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in reporting.

Finally, my personal and financial information was reported without obtaining my written consent, which is a breach of the permissible purposes outlined in FCRA Section 604. This unauthorized use of my information is unacceptable and has exacerbated the harm done. 

To address these issues, I have demanded the following actions : Updating the inaccurate information for XXXX and XXXX XXXX to reflect " paid as agreed, never late. '' Deleting unauthorized and inaccurate entries from XXXX  XXXX and XXXX. 
Removing all other inaccurate and unauthorized accounts from my credit report. 
If these issues are not resolved promptly and satisfactorily, I will have no choice but to pursue all legal remedies available to me under the FCRA to ensure my rights are protected and the harm caused is addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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