vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: MN

Complaint narrative:
I am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and Metro 2 data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting. Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the Metro 2 reporting standard. Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the Metro 2 standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX {$2500.00} XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00}

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 non-monetary relief
Consumer complaint received 2024-07-31 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I returned two items which I ordered online to Saks Fifth Avenue. I received emails from Saks Fifth Avenue ( which I am attaching screen shots of ) on XX/XX/XXXX telling me that they had received my return for order # XXXX, for the XXXX XXXX, for {$160.00}, and my return of order # XXXX the XXXX XXXX XXXX at {$170.00}. The emails also stated that my Saks Fifth Avenue credit card account would be credited. Today is XX/XX/XXXX business days after I received that email. I will add that last week on XX/XX/XXXX, I called Saks Fifth Avenue 's credit card XXXX number, and I was on the phone for over an hour. The man I spoke with said that I would receive a phone call in 2-3 days, and an email in 2-3 days, following up on my call and informing me that my account had been credited. I never received a call or an email, however this morning I received an email from Saks, telling me that my return for order # XXXX the XXXXXXXX XXXX, {$160.00} had been processed. Though this email noted the correct amount I had paid for the shoes- {$160.00}, when I looked at my account, I saw that it had only been credited {$130.00}. As you may notice this is a difference of {$30.00}! It is true that Saks Fifth Avenue deducts {$9.00} for return shipping, however $ XXXX XXXX {$150.00}. So Saks credited me {$20.00} less than they were supposed to credit me, and I am still owed a credit for order # XXXX, The XXXX XXXX at {$170.00}, or {$160.00}. In total, Saks owes me a credit of {$180.00}. I called the XXXX number on the back of my credit card today ( XX/XX/XXXX ) in attempt to receive the {$20.00} that I was shorted in being issued a credit for only {$130.00}, however the first person I spoke with didn't know how to help me, and neither did the second person. I also want my interest charges to be adjusted accordingly. Saks charges an APR of 29 % .. At this point due to my numerous unsuccessful efforts to contact Saks Fifth Avenue XXXXo receive the credit owed to me, I have zero faith that Saks Fifth Avenue will do the right thing unless they are forced to by someone who can hold them accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-31 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: MI

Complaint narrative:
Equifax INC. is trading my personal and private information on the shock exchange. This is Equifax INC. XXXX XXXX number XXXX. This is Equifax INC. XXXX XXXX  number XXXX. Equifax INC. is in violation with their contract with the XXXX XXXX XXXX and Equifax INC. is committing tax fraud with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: NY

Complaint narrative:
Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, XXXX, and TransUnion multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 


XXXX : Unauthorized XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : Unauthorized XXXX Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX BUSINESS XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Unauthorized XXXX Inquiries 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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
presently XX/XX/year>2024 my XXXX Deposit should have been release and have not. Last Month was the same XXXX2024.I log on to the bank app and it was posted on Saturday XXXX 2024 but they have it they posted it on XX/XX/scrub> 2024. The bank only did that because i informed them that they have the funds and trying to gain interest. I also had several refund deposits in XXXX and XXXX and they refrained from releasing them until they are good and ready. Lastly they state that i suppose to have over draft but i dont. several times in XXXX they have taking my instant deposits and did not release them they made it seems like my account was in a negative or over drawn and they will either not release my instant deposit or they will tell me i owe tham. I have spoken to the overseas call center repersentatve and one rep laugh thru out the call and he realize i was tellimg the truth about them taking my deposit he said ok i am going to credit you, but he just hung up on me, I ended up not getting help and paying the negative amount. I did that because i had to evacuate from XXXX Texas with my family do to the hurricane and i use this account to instant cash out my pay,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
These accounts were opened in my name, but I did not open them, they are not mine, please remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: LA

Complaint narrative:
On XX/XX/XXXX I rented an apartment at XXXX XXXX who is under the management of XXXX XXXX XXXX. Well XXXX XXXX the country went through a nation wide pandemic where everyone was felling the effects. Well XXXX XXXX had a process if your rent was not paid by the XXXX of the month you would receive an eviction notice. Well I did receive a few but I always came up with the money and paid. XXXX XXXX of XXXX it became to much so on XX/XX/XXXX I gave notice that I was moving and on XX/XX/XXXX I moved out leaving apartment clean, turned in keys and spoke to the manager who told me everything was good. I then received a bill from them in the amount of {$1400.00}. Its said it was for rent which was {$850.00} plus a {$550.00} deposit default fee after they took my {$550.00} deposit which was only right that they did. Well I wasnt paying that because no where in my lease did it have a deposit default fee. The I.Q.data acquired this debt snd they told me that I had a check that was returned. Well I have been with the same bank and never have I had checks associated with this account. The person I spoke with called we a lie and that ended all communication. I dont feel this debt is legitimate snd should not be on my credit report. It was during a time where all evictions where to be delayed but I have searched court records s and there is none for me in city or state debase for XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
I have a hard inquiry on my report that shouldn't be there for business credit that my partner was applying for.

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 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
called mothers cell phone acting as a compliance company and when i called back they acted like a debt collection mitigation company where they would assist with resolving a debt for a credit card i had. made XXXX payments but later discovered they were a scam since they did not have my correct account information. every time i would call and question, they would become hostile and start yelling and escalating my questions to a supervisor. they never were able to provide any paperwork or any written information and the receipts sent were very vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : CLOSED ACCOUNTS : XXXX XXXX, Acct # XXXX for {$14000.00} ; XXXX 's XXXX DC XXXX Acct # XXXX for {$3700.00} ; XXXX XXXX XXXX Acct # XXXX for {$5000.00} ; XXXX XXXX XXXX Acct # XXXX for {$4000.00} ; XXXX, Acct # XXXX for {$15000.00} ; XXXX XXXX, Acct XXXX XXXX for {$14000.00} ; and XXXX XXXX XXXX, Acct XXXX XXXX for {$31000.00}. HARD INQUIRIES : XXXX XXXX, XXXX, XXXX, XXXX Bank, XXXX, and XXXX XXXX : XXXX XXXX XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> 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 general, if, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: Experian Information Solutions Inc.
State: TX

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 non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
39 Attorney Generals sued Navient and private loans included. I received an email from XXXX XXXX former XXXX XXXX XXXX  employee I trained to fill my XXXX XXXX position and salary inflate occured at the bank with XXXX XXXX and wage claims submitted by bank that may have been stolen there was ID theft with student loans with Illinois XXXX XXXX  XXXX by bank employees that lead to loans with XXXX XXXX not formally disclosed by Illinois XXXX XXXX  XXXX and arrests were made XXXX XXXX XXXX XXXX. XXXX XXXX emailed me me in XXXX when the settlement finalized and read that FFEl Loans and private loans were included in the settlement agreement. After the settlement published on Navients website that Navient merged with XXXX XXXX and serviced XXXX XXXX defaulted loans in XXXX in previous complaint the Department of Education did not published this on their website the loans were from XXXX XXXX ( XXXX XXXX XXXX of XXXX 's XXXX  and instructor same hall I believe both high school and XXXX XXXX XXXX same congregation. XXXX XXXX XXXX XXXX XXXX XXXX is disfellowshipped different XXXX 's XXXX  congregation and acting Judge XXXX XXXX XXXX XXXX case I was not summons to appear but contacted by Federal student aid and XXXX XXXX XXXX as to my identity being comprimised and a letter sent to US couurt of Claims if a post card was sent it was stolen fromus postal service I have not been contacted by Navient since XXXX. If not mistaken XXXX XXXX attorney generals is relaated to a former high school student class of XXXX XXXX XXXX covid-19 rental applicationm sent to a XXXX XXXX. settlementment amount XXXX XXXX dollars ( XXXX??? ) too much privacy violations and followed. I am got XXXX coming. XXXX XXXX came into XXXX XXXX XXXX asking me they could get my social security and the volunteer ( XXXX appointment with XXXX XXXX said she needed a high school diploma I enrolled after leaving XXXX  XXXX XXXX XXXX  due to slary inflate and I say malicious defamation of character due to ID theft and fraud. Ignorant ridicule with that theft is undelivable in a college setting like juvenile deliquency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: NJ

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 : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
This debt from XXXX XXXX has already been settled and paid with XXXX XXXX claiming to be from XXXX XXXX. I had received many calls, voicemails, and threats from them claiming to locate me and call my employer. They called family members harassing me about the debt. I notified them that I was not aware of it due to me moving to different home and never receiving any notification of debt owed. I was at that time pregnant with twins and spent most of time in hospital, lady I spoke to made a payment arrangement for me to pay this account with auto draft from my acct., I asked her to send me a copy of settlement and she declined and stated that once paid off they would send me something in the mail to show it was paid off. Payments were deducted from my account and nothing was mailed to me. Now Im receiving a debt collection from another debt agency claiming that I owe this account. This has already been settled, paid and closed. I attached proof of payments that I made. Please remove this collection from my credit. This account has been sold to multiple collections agencies trying to collect money from me when account has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX Subject : Comprehensive Complaint Against Truist Bank for Chronic Financial Mismanagement and Regulatory Violations Dear Office of the Comptroller of the Currency, I am submitting a formal complaint against Truist Bank for a series of ongoing financial mismanagement incidents and unethical banking practices spanning from XX/XX/XXXX to the present. These issues have significantly impacted my financial stability and have been repeatedly mishandled by the bank. 

Detailed Account of Issues : Persistent Issues - XX/XX/XXXX to XX/XX/XXXX : Repeated Identity Fraud Issues : Truist failed to resolve or appropriately address multiple incidents of identity fraud that affected my accounts, despite numerous complaints and requests for action. 
Misleading Communications : During this period, Truist frequently provided misleading information about the status and resolution of these fraud cases. 

Improper Financial Handling - XX/XX/XXXX : Unauthorized Financial Actions : Truist prematurely withdrew funds for a Cash Reserve service, XXXX days before the due date and without the XXXX notice promised in their policy. 

XXXX Transaction Dispute - XX/XX/XXXX : Mismanagement of XXXX Dispute : After a client dishonestly disputed a XXXX payment, Truist did not alert me or handle the dispute appropriately, causing significant financial and operational disruptions. 

Refund Mishandling - XX/XX/XXXX : Debit Card Deactivation and Refund Issue ( XX/XX/XXXX ) : Instructed not to deactivate my debit card pending an XXXX refund, Truist did so anyway on XX/XX/XXXX, causing {$1800.00} to go into limbo. 

Customer Service Failures- XXXX to XX/XX/XXXX : False Assurances and Delay Tactics : Truist provided multiple false statements regarding the refund processing and timelines, which led to a prolonged resolution process and added financial distress. 

Request for Action : Comprehensive Investigation : I urge the CFPB to conduct a thorough investigation into these repeated failures and potential violations of banking regulations by Truist Bank. 
Immediate Rectification : I seek prompt corrective actions and the enforcement of consumer protection laws to address these ongoing issues. 

Enclosed are all pertinent communications, transaction records, and evidence of the mishandled actions as supporting documentation for this complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance. 

Sincerely, 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 explanation