vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I bank with Truist and have for over 35 years I realized on XXXX XXXX that I had a loss of {$25000.00} on my checking account due to mobile transfers .I called the fraud department to report and went to the bank the next day which was monday XX/XX/XXXX, ( total fraud ened up being {$26000.00} ) My Sister will be filling a report with you also, her loss was close to {$25000.00}. 

My sisters name was on my checking account and had been since about XXXX. My sister has a grandaughter ( age XXXX ) who had received about XXXX in a settlement, she had her name added to the checking account her grandaughter opened to monitor the account so she would not blow it. 

So what happened is the grandaughter blew her money, and then processed mobile transfers from my sisters account and when she cleaned her account out, she did the same to my account. 

A claim was filed by the bank on XX/XX/XXXX, and the very next day a letter was issued and sent to my sister which she received about 10 days later .The bank denied the claim saying there was no loss. Neither myself or my sister authorized these transfers. 
The bank manager was the one who filed everthing and put under my sisters name. Then we appealed the decision on XXXX. We waited was told on this takes time, we waited. I called in XXXX, and XXXX still being worked I was told. XXXX I called first part of the month and was told the appeal was denied XX/XX/XXXX and the bank manager was sent a email. I called a few more times to ask why a letter was not sent to say the appeal was denied and why had i been told it was still worked on. No apology, They acted as though i was asking something very unusual, and told it was just an appeal. 
There were never an alerts sent to my sister or myself about unusual activity on our accounts. ( Example 3 transfers done on the same day totaling XXXX ). I recently sent a email to the corporate office who is " looking into it and this will take some time ''. 

I am prosecuting the grandaughter and she admitted to the detective it was her that did all of this. We gave the bank the police report. They seem to think me and my sister just gave a XXXX XXXX XXXX all the money from our checking account. What about the Electronic Funds transfer act, would this apply .Hoping you can give us some direction and appreciate your time Thank You 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: CA

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX and list of Inquiries 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I paid off XXXX XXXX, eqiufax and XXXX has shown that neither adjustment wasnt made to my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
I did create an account with wise and My account was deactivated, and I had an available balance ( XXXX $ ). I requested a refund since XX/XX/XXXX and made my appeal using my friend 's name because I wanted him to receive the money. WISE made the mistake of putting my name instead of keeping my friend 's name for the transaction, but they kept his account number and bank 's XXXX XXXX. The error is not mine, as I had entered the correct information. You made the mistake, and I should not have to pay for your error. It's unfair. Now, my friend 's bank rejected the money on the same day, and I want to have my money back. 

I sent my friend 's bank statement to prove that he did not receive the money because the name was entered incorrectly, which is why his bank declined the payment. Please, I want this money back. 

I have more than XXXX weeks asking for this money and they not trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> and XX/XX/year>. Payment was received on for XXXX Billing Cycle was paid on XX/XX/year>, which means XXXX Statement was Paid on Time. This means that XXXX Billing Cycle is not be 60 Days Late nor is XXXX  90 Days Late. This inaccuracy of reporting for XXXX payment creates an error that trickles down and makes other on time payments appear late. I'm now requesting you investigate this account and update these payments to paid on time immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: LA

Complaint narrative:
SEE ATTACHMENTS I am filing a formal complaint regarding my inability to access my Equifax credit report online. Despite repeated attempts, I have been unable to create an account or log in to view or dispute items on my credit report through XXXX online platform. As a XXXX individual, online access is crucial for me to independently manage my credit. I believe this issue may be in violation of multiple laws that protect consumers, XXXX XXXX XXXX XXXXXXXX. 

1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 The FCRA requires credit reporting agencies ( CRAs ) to provide consumers with access to their credit reports and to ensure accurate and fair reporting. My inability to access my credit report denies me the rights guaranteed under the FCRA, including the ability to dispute inaccurate information. 
2. Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq. 
The ADA prohibits discrimination based on XXXX, including the requirement that public accommodations ( which may apply to certain services provided by Equifax ) provide equal access to services. Equifaxs lack of accessible online access effectively excludes me from its services due to my XXXX. 
3. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 et seq. 
The ECOA mandates that all consumers have equal access to credit-related services. By denying me access to my own credit information, Equifax may be indirectly preventing me from equal opportunities to secure credit, which could be considered discriminatory. 
4. Section 504 of the Rehabilitation Act of 1973 29 U.S.C. 794 This law prohibits discrimination based on XXXX by entities that receive federal funding. If Equifax receives federal funding, it may be obligated to ensure that its services are accessible to individuals with XXXX. 
5. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq.

The CFPA grants the CFPB authority to ensure fair, transparent, and accessible financial services. The barriers I face in accessing my credit report may be contrary to the CFPBs mandate to protect consumer rights. 
6. Universal Access to Credit Reports Under FCRA Regulation V CRAs must provide consumers with the ability to access and dispute credit information. The lack of accessible online tools undermines my right to dispute inaccuracies efficiently and keep my credit report accurate. 

For verification purposes, I have attached copies of my utility bill, drivers license, and Social Security card to confirm my identity. I am requesting that the CFPB direct Equifax to address this issue and provide a solution that enables me to view and dispute items on my credit report online. Equifaxs lack of responsiveness to this access issue impedes my rights to fair and equal access and may constitute discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JRCM, LLC
State: MD

Complaint narrative:
I had a fire at my house in 2006, surfpro did the clean up. The insurance company paid them. The hired a collection agency to collect, the company forgot about the bill that was XXXX dollars the agency added XXXX which put a garnishment in my account XXXX XXXX said the garnishment, it's supposed to be XXXX XXXX XXXX dollars and they sent me a letter the the agency made it to XXXX XXXX XXXX dollars within five more day. That's price gouging. I told the company my wife just passed i had XXXX. And I went XXXX in XXXXXXXX XXXX  I haven't worked in three years. The name of the company JRCM IN 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 2024-10-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified a bankruptcy entry that I believe is inaccurate and unfairly impacting my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was trying to dispute a charge on my credit card account and I was told to call back after the charge had been posted. I called back the next day when the charge was posted and they said they can not dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I paid off XXXX XXXX XXXX and Transunion has shown that neither adjustment wasnt made to my 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