vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX i submitted an EDIL loan for the SBA in the name of my XXXX XXXX XXXX company XXXX XXXX at the time i was unaware of my company 's status with the state of XXXX due to being in the hospital suffering from gunshots to my chest and back as a result of being carjacked. I got out and restored my company to good standing with the state of Georgia to continue business as if nothing had happened. during which time my XXXXXXXX XXXX XXXX account was closed due to my hospitalization. I couldn't make the necessary payment account was closed. i opened an account with BB & T in XXXX, MD. sent my loan funds to BB & T. They accepted my loan then closed my account stating i opened the account in fraud. AND THAT THEIR HEADQUARTER SPOKE WITH THE SBA. AND THE SBA REQUESTED THE FUNDS BACK. when i spoke with the SBA they said they had no knowledge of what the bank was speaking of. In all BB & T stole XXXX odd dollars from me in dishonest means please help me recover my funds or return them to the SBA as im am still responsible for the loan

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 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I got my case XXXX which was held in court and dismissed by the judge on XXXX. Please remove that Debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts Experian 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 u.s. department of education XXXX XXXX u.s. department of education XXXX XXXX XXXX XXXX XXXX XXXX u.s. department of education XXXX XXXX u.s. department of education 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 u.s. department of education XXXX XXXX u.s. department of education 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 DEPT OF ED IXXXX 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 explanation
Consumer complaint received 2022-05-18 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: CA

Complaint narrative:
On XXXX I wrote TransUnion and reported that an unauthorized fraudulent credit inquiry was placed on my credit report on XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I asked them to remove the item and explained that it was unauthorized and fraudulent. I also asked TransUnion to provide evidence that shows that I authorized this hard inquiry on my credit report. On XX/XX/XXXX, TransUnion sent me a letter questioning the legitimacy of my dispute letter and implied that a credit repair company wrote the letter on my behalf, which is not true. In response to TransUnions letter questioning my initial letter, I hand wrote a letter again asking for them to either remove the XXXX XXXX XXXX credit or provide me evidence that I had authorized the credit inquiry. On XXXX I received a reply from TransUnion stating that they deemed the XXXX XXXX XXXX legitimate, yet the did not provide me ANY evidence proving that the inquiry was legitimate, nor did they provide proof that I had authorized the inquiry request. On XXXX I called TransUnion and spoke with 2 representatives who said that they would initiate an investigation with XXXX XXXX XXXX, but will not remove the hard inquiry at this time. We are already going on 6 weeks from my initial letter to TransUnion and they are dragging this out. I believe I am entitled to have the item removed after 30 days if TransUnion wasnt able to provide me evidence of the legitimacy of the hard credit inquiry. But they have continued to drag their feet as my credit is negatively impacted. Can you please investigate this matter and help me get this hard credit inquiry 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 2022-05-18 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  XXXX XXXX XXXX : {$240.00}

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 explanation
Consumer complaint received 2022-05-18 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2022-05-18 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$240.00}

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 2022-05-18 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/20XXXX XXXX XXXX  XXXX XXXX : {$0.00}

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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC
State: CA

Complaint narrative:
Some one keeps calling my work number, my son 's cell phone number repeatedly at all hours. Saying I was getting sued. Leaving a call back number XXXX which I looked up and is a known scam listing the same details they give when they reach my work or my son 's phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was unaware that I had any outstanding debt at all until in early XXXX, when I learned that I had a {$360.00} outstanding charge on a XXXX XXXX credit card I have had since college. I received zero emails, standard mailings or calls about this balance being overdue, until they sent me an email saying my account was closing for this reason. I called them immediately, paid off the balance in full over the phone that day, and asked them why I hadn't received a single communication about this balance being overdue. They said they had never updated my mailing address and I was on a " do not call '' list, so they were unable to get a hold of me. But they had my email address?! 

My perfect credit score of XXXX suddenly dropped to XXXX over this {$300.00} balance that I was unaware I even had. I asked XXXX Back ( for XXXX XXXX credit cards ) to send a letter to the credit bureaus saying this was an error in communication, but the only thing that has happened besides paying off the balance, the account being closed, is my credit report shows an unresolved dispute with this low credit score. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX Wells Fargo ( WF ) removed {$2500.00} from my checking account statement dated XX/XX/XXXX. This was done after a very long fraud suite . Which I had sent CFPB a complaint and received a letter from the WF Executive Office Case Specialist, XXXX XXXX, who said in his letter XX/XX/XXXX, that if I have a questions to call him. But after many messages and no reply. I am needing CFPB 's help. My XX/XX/XXXX statement, on XX/XX/XXXX XXXX removed {$2500.00}. This was not their money! The description says : Online Advance Reversal Case XXXX. The only advance made was to account XXXX the fraud money on XX/XX/XXXX. XXXX which was withdrawn on XX/XX/XXXX for the fraud wire transfer. I didn't receive any other advance to help pay my bills. I question a transaction on a statement dated XX/XX/XXXX Personal Line of Credit acct. XXXX. On XX/XX/XXXX ( after all accounts where closed and stopped for transactions ) a {$2500.00} withdrawal was made with the description " Balance transfer for acct ending in XXXX '. I have not had a XXXX account! So this must be the third parties account number who received an advance. It sure wasn't me! WF owes me the {$2500.00} they withdrew on XX/XX/XXXX from my acct 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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I sold my property on XXXX XXXX ( this is the date XXXX using because my check for {$12000.00} was dated for this day and I know for sure I didnt attempt settlement on XXXX XXXX because I received an email from the Buyers, XXXX advising me it was moved from XXXX XXXX XXXX XXXX. My spouse on the other hand received an invitation regarding settlement on XXXX XXXX, I have a signed document dated for XX/XX/18 with his signature on it, I have wire instructions from our realtor to my spouse asking him about how he wanted his money wired to him .. me however, received XXXX email from the buyer that settlement was moved and I also received something on XXXX XXXX that settlement was canceled on XXXX XXXX and I also have an electronic signature dated for XXXX XXXX so XXXX not sure who stole my proceeds from the fraudulent scam that involved so many people. XXXX not sure who impersonated me on XXXX XXXX settlement and Im not sure how much is owed to me because I know I was promised {$75000.00} amd I only received {$12000.00} but considering that fraud occurred- I am assuming that the stakes are much higher now. I am asking your help with the following things. First and foremost- I am asking you to help me bring the individuals that robbed me blind and conspired against me In an effort to steal and make my family homeless - help me bring them to Justice and possibly put them out of business for their malicious, premeditated fraudulent scam that was well thought out!! I want to make sure that ko family ever has to experience what mine has. XXXX help me find my wire transfer that is most likely in my name since I was the owner of this property for more than 20 years. XXXX help me get them to return my title because they dont deserve it. I currently have the following officials working on an investigation for meXXXX XXXXeal Estate Commission, Dept of Investigation and Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have the Attorney General conducting an Insurance Fraud Investigation , I also of the Department of Banking conducting an investigation relating to my mortgage that was possibly never paid off. 
I have alot of evidence that I collected over the years and I can provide you with this to back my allegations. There may be family members involved that I live with currently but I do not know who has jurisdiction over my dad, sisters, brother in law. I also have internal affairs working to help me with another family member that is a cop. If you need any information you can contact me directly or refer to us Bankruptcy Court or a United States District Court. There is a lot of evidence there too. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found an inquiry from XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX on my credit report. I called and spoke with a gentleman by the name of XXXX I explained I did not authorize the inquiry and was told he would need to check the cameras for that day???? How would checking the surveillance cameras assist in finding out who or how my info was provided. You need a social and a valid ID for that. He then directed me to XXXX in financing. I left two voicemails but I have not heard back. I reached out To the XXXX of XXXX through XXXX and received a response from XXXX. Was contacted by XXXX XXXX who unfortunately was unable to assist but suggested I should call XXXX XXXX. I just need a letter of explanation or remove the inquiry from my credit report please. 
I have not visited XXXX of XXXX. I just purchased a XXXX in XXXX of 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 2022-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime
State: GA

Complaint narrative:
I bought a car from drive time and they told me the car was being financed at XXXX and sum and the car actually was XXXX dollars took the car back in 2 business day to get a refund and they being lie about the refund and still have not gotten it

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 2022-05-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}

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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: RI

Complaint narrative:
Started a dispute through XXXX  XXXX XXXX XXXX turned around and said they have the correct information. They do not. I did not open this account. Therefore, I am not paying this debt. I explained how my phone had been hacked, along with my computer a while back. this is fraudulent. This has caused me nothing but a huge headache since I have had to close all my bank accounts.

Company response to consumer: Closed with explanation