vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-09-24 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: MO

Complaint narrative:
Even after make a complaint I still was not allowed to access my own credit bureau file they say I can not b verified

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 2023-09-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Trans Union and XXXX report it on my credit report that this account is still at 94 % debt to income ratio balance owed in the amount of {$490.00}. I have contacted them letting him know that this account was paid in full they took XXXX points. Drop my credit score.. trans union and XXXX lowered my credit score for the second time with this XXXXXXXX XXXX XXXX XXXX. I dispute this with them twice and they rise my score. Someone in companys office is making this mistake and I kept getting penalizing for their errors.

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 2023-09-24 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: NV

Complaint narrative:
XXXX XXXX and Equifax report it on my credit report that this account is still at 94 % debt to income ratio balance owed in the amount of {$490.00}. I have contacted them letting him know that this account was paid in full they took XXXX points. Drop my credit score.. XXXX XXXX and Equifax lowered my credit score for the second time with this XXXX XXXX  credit card. I dispute this with them twice and they rise my score. Someone in companys office is making this mistake and I kept getting penalizing for their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-09-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I was required to pay off my TD Auto loan in order to purchase a building for my business. I complied and paid it off. TD Auto refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that TD Auto completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the TD Auto for them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for TD Auto was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/XXXX  or I will be seeking financial restitution. I have verification when TD Auto cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Have had a claim open since XXXX for a charge regarding a laptop that never came and I was never refunded for. Bank is telling me I must wait up to 120 days to get a update on whether i am getting my money back. Clear violation of regulation e as it has been more than 10 business days so a credit must be applied. Spent over 10 hours XX/XX/XXXX and XX/XX/XXXX on the phone with representatives who did not help or give me any updates.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was required to pay off my XXXX XXXX loan in order to purchase a building for my business. I complied and paid it off. XXXX XXXX Experian, XXXX, and XXXX refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that XXXX XXXX, Experian, XXXX and XXXX completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the XXXX XXXX, XXXX, XXXX, and XXXX them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for XXXX XXXX was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/2023 or I will be seeking financial restitution. I have verification when XXXX XXXX cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report 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 non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: NC

Complaint narrative:
XXXX didn't not update information of paid off account promptly after they were provided the proof they requested. 

I was required to pay off my TD Auto loan in order to purchase a building for my business. I complied and paid it off. TD Auto refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that TD Auto completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the TD Auto and Equifax, XXXX, and XXXX for them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for TD Auto was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/2023 or I will be seeking financial restitution. I have verification when TD Auto cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc.
State: WV

Complaint narrative:
The company closed my account without any notice. I had to call them to inquire about it. Initially they gave me a run around but eventually they claimed that they had suspended my account due to a security concern. When I inquired what the concern was they told me to read the terms and I would find it there. They didnt point me to anything specific. They also closed my husbands account the same way. The only transfer we had attempted to make was to my father-in-law, and that transaction clearly didnt have any security concern because even the names match! The ridiculous part is that no one is able to explain what happened so they just point out to their security concerns, which is very vague. 
The fine print is ambiguous and can be interpreted in many ways. They need to amend so that it can have specific details to it that can be easily sited. 
I was able to find many similar complains online about this company, which means that its their common business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So I was XXXX and had a joint checking with my mom and wells Fargo cashed 2 fraudulent checks and called me and told me that they even had footage of the person in Georgia using the ATM to cash the checks but they charged me overdraft fees and then wouldn't hear us out and closed my account despite taking my mom to the bank along with the copies they sent us of the fraudulent checks and they looked SO FAKE! but they said that their hands were tied and closed our accounts. I found that extremely unfair because THEY KNEW IT WAS FAKE TOLD ME ABOUT IT SUPPLIED ME THE INFO then REFUSED to keep my account open even though my Mom and i went to 4 different locations to fix this. Now my brothers and sisters all use wells Fargo but I'm ruined along with my mom and I was only XXXX you know so it looks so bad

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 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1 year ago I opened a secured credit card with Bank of America, with {$2000.00} as deposit. About 6 months ago, as I was leaving the country, I closed the credit card. At that time, they said the {$2000.00} will be back to my account in 2 weeks. 

Then during the past 6 months, the money still not in my account yet. I tried to call them for more than 5 times. Everytime the specialists said my money will be back in 1 week. But till now I received nothing. As I still need the bank account to receive the money, I keep the account open and need to pay monthly fee which is {$12.00} per month.

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 monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity was stolen and so was {$49000.00} out of my bank of america account. I got {$44000.00} returned. I filed a claim with edd to find out what happened to he {$5000.00} missing. XXXX wants is verification paperwork for the {$5000.00}. The {$44000.00} was returned XX/XX/. There was no hold on the {$44000.00}. I have letters from b of a and IRS verified my claim in my favor I have messages in y XXXX XXXX account that says my account is open and card is active. Bank of America refuses to give me access to my account to withdraw my money. They refuse to speak to XXXX rep on the phone nor honor the letters stating my money was returned to me on XX/XX/XXXX. Someone keeps changing my address or email on the account. I don't know how m it has to be someone working in the 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 monetary relief