vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX a fraudulent purchase was made using my debt card, when I became aware of the fraudulent transaction, I reported it to my bank. The bank then provided me with provisional credit for the fraud claim. Two weeks later I receive a notice that my claim had been denied. I this be very peculiar, as it has been a practice of US Bank to give me a proof of claim form to validate my claim. I call the fraud department for US Bank and ask that the matter be investigated further because I did get the opportunity to provide proof of claim. The fraud specialist told me that they would have the claim investigator contact me regarding this matter. XX/XX/XXXX I spoke with XXXX XXXX the claims investigator in US Bank 's XXXX  location regarding the claim and was told that she had determined that claim was not valid. Furthermore, that she would not be reopening the claim. XXXX XXXX went on to informally advise me that I have made quite a few claims, which I found to be unprofessional as it is my right to file claims against any services that were not rendered and products I did not personal purchase. I reminded XXXX there are law and rights that protect consumers such as Electronic Fund Transfer Act and Regulation E. The Electronic Fund Transfer Act and Regulation E states that I have XXXX liability for fraudulent purchase.

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 2022-10-31 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: IL

Complaint narrative:
on XX/XX/2022, I sent Transunion, XXXX and XXXX stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report is showing a XXXX XXXX credit card that was open in XXXX account number XXXX. It has several late payments and was charged off and closed in XXXX. However, I was incarcerated during time thus just making this fraudulent. 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- ( ) 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 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am trying to get the credit report from Equifax. I used the web site provided to try to get all three credit reports. 
The Equifax page gave an error message and a phone number to call. I did and had a horrible experience. The phone menu is useless and tries to send you to the web page, which just kicked me out. They kept going in several loops until I opted to file some form so that I could get to an agent. 
The agent asked several questions to try to verify my identity. He said the system couldn't verify me and couldn't say why so he asked for my cell number so that I could take a picture of my drivers license, my SS card and myself to send back to them. When I complained he gave me an address to request by mail. 

I have been able to get my credit report over the years without any problem. My impression is that Equifax does not want to provide the information for free and would like to steer people to a paid site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please reopen my COMPLAINT as had til XXXX to RESPONED and HAVE NOT HEARD ANYTHING from TRUIST BANK in Regard to resolving this!!!! the COMPLAINT number is XXXX XXXX XXXX and also XXXX XXXXXXXX I NEED HELP!!!

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 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I was contacted today by a representative with First National Collection Bureau regarding a XXXX XXXX XXXX I asked the representative if they could provide information via mail for me to review. They representative also asked me while on the call if I was related to or knew another individual as they had a file for them as well and had my number listed for them. I dont believe that they should be disclosing that information about some elses debts and also asking me if I know them or if I am related if that has nothing to do with the reason why they are calling me. That made me very uncomfortable because they could be sharing your information with other people and that is not maintaining any privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 2022-10-31 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
See letters sent, please update my personal info and remove all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2019 I discovered a Wells Fargo card, a XXXX XXXX card, and a XXXX XXXX card had been taken out in my name and had been used for a long time under my name. It now has gone to collections and is damaging my credit score. I have a police report that shows my birth certificate and social and ID card were stolen in XXXX texas at the same time my motorcycle was stolen and other objects stolen from my XXXX. I then went to XXXX  for a few months and was not able to resolve the issue and life happened things backed up so Im just now getting around to taking the proper steps to reporting fraud. They ran about 27 inquiries under my name within a month or 2 period of time all across texas and California. Those inquiries have since fallen off but I remember they tried opening multiple accounts in my name.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DUE TO BEING A VICTIM OF INDENTITY THEFT, BECAUSE OF** EQUIFAX DATA BREACH ( CCRA ) **. I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THIS BREACH. //// MAKING POLICE REPORTS//// HAVING TO FREEZE MY ACCOUNTS.//// MY MAILBOX HAS BEEN BROKEN INTO, CHECKS HAVE BEEN STOLEN AND CASHED. {$10000.00} MONEY ORDERS TOO AND ON OR AROUND XX/XX/2020, SOMEONE USED MY IDENTITY BECAUSE OF THIS BREACH, TO PURCHASE XXXX XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX IN THE AMOUNT OF {$8700.00} I HAVE SPENT HUNDREDS OF DOLLARS, TRYING TO CORRECT THIS MATTER IN GAS/ MILEAGE/COPYS/ FAXES/ POST OFFICE MAILING I ASK OF YOU IN YOUR CAPACITY, TO HELP ME ALLOCATE MY EXISTING PROBLEMS AND DILEMMA OF FURTHER LIABILITY,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXXXXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX, I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my Equifax report a " hard inquiry '' posted by XXXX 'XXXX XXXX  XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to Equifax and XXXX about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my XXXX report a " hard inquiry '' posted by XXXX XXXX  XXXX XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to XXXX and Experian about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.

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 2022-10-31 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/XXXX I contacted XXXX XXXX XXXX regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a XXXX XXXX from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my XXXX XXXX has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because XXXX XXXX failed to respond and update inaccurate data. 

Equifax has failed to removed the inaccurate data or get a response from the XXXX XXXX even though my credit reports proves that this information incorrect. I have tried calling the XXXX XXXX customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Regional Acceptance Corporation regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a Collector Rep from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my Regional Acceptance has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because Regional Acceptance failed to respond and update inaccurate data. 

XXXX has failed to removed the inaccurate data or get a response from the Regional Acceptance even though my credit reports proves that this information incorrect. I have tried calling the Regional Acceptance customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.

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 2022-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Late payments are being reported, however the information is inaccurate due to arrangements being made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Late payments are being reported, however the information is inaccurate due to arrangements being made

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 2022-10-31 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: NCB Management Services Inc.
State: AR

Complaint narrative:
I've been trying to resolve this issue regarding a clear violation of the FDCPA and FCRA involving an account that was never mined neither did I receive and goods, services, or money from NCB MANAGEMENT. NCB MANAGEMENT has been notified several times via mail explaining that this Fraudulent account doesn't belong to me but continues to report which is considered willful noncompliance and which may result in damages considering I have been denied credit due to the inaccuracy of the reporting. NCB MANAGEMENT fails to adhere to the FDCPA and must be held accountable for misrepresentation and erroneous credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See letters sent, please fix my personal info, the account reporting inaccuracies and the unauthorized inquiries

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