vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a account closed back in XXXX and there just holding my money at the bank for no reason they keep telling me that they can't release my money for no reason they say it's because of they XXXX has hold on my money but when I call to talk to them they say its not them it's truist bank

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 2023-04-04 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: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Spoke to capital one for the 3rd time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have four high yield savings accounts open with Synchrony Bank. Those accounts were opened with the help of my daughters, who are fully authorized to help me with my finances. In the aggregate, those accounts hold {$250000.00}. I have repeatedly called Synchrony Bank with my daughter to verify my identity. I repeatedly advised the Synchrony Bank representatives that my daughters have full authority to discuss my finances with them. On XX/XX/2023, two transfers that I scheduled from two of my non-Synchrony Bank accounts into my Synchrony Bank accounts were initiated. Today, XX/XX/2023, transfers to and from my accounts were suspended without warning or explanation. I again called Synchrony Bank again with my daughter and I again verified my identity. The Synchrony Bank representative said that my accounts were under review because they could not verify my identity, even though I had answered all the security questions they asked. Then, this afternoon, Synchrony Bank suspended access to my accounts and stated that the accounts are under review and that I may not have access to my funds for up to 60 days. This is unacceptable. Synchrony Bank does not have legal authority to confiscate my own funds from me without explanation and without recourse. I will be sending a copy of this complaint to the New York Attorney General.

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 2023-04-04 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pay {$29.00} to gain monthly access to all 3 of my credit reports. Transunion has continually denied me my credit report / Score and access to enter disputes and update my employment status as well as adding a personal statement to my credit report about how Covie-19 negatively affected me. This is my report and I should have access to it. 

I am requesting immediate access so I may dispute inaccurate information online. refusing to allow me to do this has had a huge impact on my credit score.

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 2023-04-04 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: TX

Complaint narrative:
Incorrect information on my records

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 2023-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect information on my records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
I found fraud inquires on my credit report at TransUnion and XXXX. Tried to call them, but they refused to wipe this 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
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX County DA Account # XXXX, XXXXXXXX XXXX XXXX account # 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

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 2023-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX County DA Account # XXXX, XXXXXXXX XXXX XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Kind Attention : my dears at CFPB.. greeting..I submitted my judgement to bank of America XXXX XXXX state of California on XXXX XXXX, to fax and process my judgement XXXX, for more than two times, I never got reply, please by Any chance submit my documents To : [ legal procedure and court orders ] since no way I can get in Touch with the appreciate department, please find attached For your guys attention : * Plaintiff Federal Procedure 54 * Judgment statement of cost your kind attention, for my issues And concerns, will be a highly appreciated, thank you, '

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX of XXXX a direct dispute was made to Experian regarding a discrepancy whereas XXXX is reflected on my credit report. I do not have nor have ever had a credit card account with this bank. The account belongs to a relative not me who added me as an authorized user however the credit bureau posted this account without proper data and the bank was never authorized nor issued my social security number and accessed my information without permission which is nefarious. I have a statement from XXXX dated XX/XX/2023 acknowledging proper request to remove my name and they concluded that it was removed. However, upon disputing with Experian credit bureau they denied removal of the account which is a discrepancy and egregiously unprofessional after all the formal steps have been taken and proven. I find Experian to have exhibited negligence in handling this predicament. 

Ive contacted XXXX and XXXX regarding this same incoherent reporting of this XXXX account and it was rectified.

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 2023-04-04 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I have a late payment on my account that has not been removed and i never had on my account. Also i wrote XXXX a letter to get this removed and they did not open the investigation even. I was set up on auto payment but yet somehow i have a late pay showing on my credit report. Please assist me in getting this removed from the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: OH

Complaint narrative:
Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans 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 2023-04-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans 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 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery bought a debt that I owed to another company. I don't owe them any money. I've never had an account with them. I've never done business with them. I've never talked to them, and yet they keep putting a collection on my credit report. They bought a debt, I didn't borrow anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CarMax, Inc.
State: FL

Complaint narrative:
I have a car loan with cad max, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. Car max sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused car max to get me a rental. I been dealing with a lot with this company. I just want the remarks removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-04 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: TX

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 XXXXXXXX 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 2023-04-04 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: EQUIFAX, INC.
State: TX

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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Finished paying my car insurance for the year but they charged me {$260.00} for a renewal fee and I decided to not renew but I completed my payment and transferred to a new insurance company that same month Then they sold the debt to a third party company and is harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Inquire date XX/XX/XXXX Hard Inquire not mine asked to be removed told it was not me still said no XXXX XXXX  Hard inquiry XX/XX/XXXX Not mine asked to be removed said no XXXX XXXX  Hard inquiry XX/XX/XXXX Not mime aske door removal said no XXXX Hard inquiry XX/XX/XXXX Not mine Told them it was not me they said they would not remove XXXX XXXX Hard inquiry XX/XX/XXXX Not mine asked for it to be removed they said no XXXX XXXX XX/XX/XXXX Hard inquiry Not mine said they would remove didn't XXXX Hard inquiry XX/XX/XXXX Not mine said they wouldn't erase XXXX XXXX Hard Inquire XX/XX/XXXX Not mine said they would erase didn't

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 2023-04-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian sent notice that it did not appear that my dispute was not sent be me or authorized by me and they havent taken action on my dispute I, XXXX XXXX, am demanding my dispute be investigated and completed within the lawful timeframe.

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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I received a collections letter from CBE Collections Group Inc. on XX/XX/2023. I made a call to them about the debt owed of XXXX, and made them aware that I had no knowledge of this debt. CBE Group advised me to call XXXX and open a fraud case and I did that. I spoke to XXXX XXXX XXXX and they told me to fill out identity theft package and file a police report. I did that and turned in all information and was told they needed more information. Stated it wasn't deemed as fraud. I am disputing this because it is not my debt.

Company response to consumer: Closed with explanation