vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
I disputed late payments on my XXXX, XXXX and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, XXXX and Equifax are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : XXXX Late Payment : XX/XX/2021 Account Name : XXXX  XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXXXXXX Account Number : XXXX Late Payment : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

Complaint narrative:
On Monday XX/XX/2021 at XXXX ( EST ), I received XXXX emails from XXXX XXXX bank confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX Bank ( and Transunion - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portaXXXX in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX  's fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX XXXX  ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in 7-10 days but claimed, contrary to FTC regulations XXXX that XXXX XXXX  would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX  you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named Transunion ( again, this is a recorded call ), thus Transunion XXXX has twice now, first with XXXX and now XXXX XXXX bank, within a 6-month period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly XXXX hours at a XXXX branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET TRANSUNION has, twice XXXX approved online accounts to be opened. 

I am adding XXXX and XXXX to the complaint for notification purposes.

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 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
Received notification from debt collector advising of debt owed. No validity of debt owed by me. This company is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: FL

Complaint narrative:
the investigation I have with cfpb XXXX details the issues more in-depth. 
Experian has already given me an updated email and link to view the issue resolution and they must have done this upon opening of the cfpb investigation and not upon any further request from me ( seems suspicious almost as if they want to look like they are actually doing their jobs properly and to cover up something I wonder what has been edited and or deleted from their internal logs and what phone recording from my calls and or logins can back up any data editing within their system ), though this is now the XXXX time that Experian was able to open and close an investigation within an extremely short window of time. this time is longer than XXXX hrs. but still less than a few days. 
they again have validated and simply updated the files for XXXX XXXX XXXX never actually investigating the validity of the debt collectors documentation and or violations of my rights within each of the XXXX reports made. 
in direct violation of my HIPAA rights, XXXX XXXX XXXX has continued to post, update, and repost debts about medical history on my credit reports. 
they have been doing this on both Experian and XXXX. 
again reiterating that this debt collector hasn't validated debt from the original bill, is double-dipping or double recovery attempts drastically affecting my score, and they are in direct violation of MY HIPAA ( Health Insurance Portability and Accountability Act ) Florida state attorney 's office and the DOJ Principal Deputy Director from the Consumer Protection Branch as well as XXXX, CFPB, FTC. and I reported Experian for allowing XXXX XXXX XXXX to continue violating the FCRA & utilizing unethical & unfair practices XXXX credits accounts are time-barred, Duplicate accounts, Data management errors, being posted under double recovery methods which are illegal, XXXX XXXX XXXX reports are not validated, they are violating my HIPAA rights XXXX violating FCRA

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 2021-12-28 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:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 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 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 2021-12-28 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: IL

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 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 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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hi, I have had a credit card with Capital One for a few years now and have always paid on time. However, i was hospitalized in XX/XX/2019, which resulted in a late payment reporting for XX/XX/2019. I am not disputing this debt, but I am asking for a goodwill adjustment. I have always paid on time and have continued to do so over the years. It was completely out of my control that I was hospitalized for a medical emergency and the payment was made late to the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: MN

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX. 

I am a retired 100 % XXXX Veteran. I am currently writing a book and was looking for collaboration assistance. and entered into an agreement with XXXX XXXX. 
They required XXXX to to open up my account and to provide access to ghost writers to assist, outline, edit and help publish my book. 

I repeatedly attempted to contact " XXXX XXXX '' for the services promised and received no response, NONE .... what-so-ever to collaborate with writers. 

... No services were offered and no collaboration occurred. 

I contacted my credit card company ( Capital One ) concerning the charge of XXXX dollars billed on XX/XX/2021. Please see attached letter dated XX/XX/XXXX. Capital One stated that they had removed the charge and then reversed the decision stating that the company XXXX XXXX had disputed my dispute. DESIGN COMPANY stated to " Capital One '' that they provided several services including outlines and even provided a " BOOK COVER ''. 

I submit to you that they DID NOT provide any services. If they did provide any services surely they could submit some shred of evidence such as... 

XXXX the TITLE XXXX the outline XXXX the book cover XXXX the log of hours of the ghost writers XXXX the subject matter of the book DESIGN COMPANY HAS NOT SUBMITTED ANY OF THE ABOVE EVIDENCE TO SUPPORT THEIR CLAIM AND THE MOST GLARING EVIDENCE SUPPORTING ME IS THAT IF THE DID PROVIDE SERVICES. THEY WOULD BE ABLE TO PROVIDE ME WITH AN INVOICE OF THEIR LOGGED SERVICES. 

PLEASE SEE ATTACHED DOCUMENTS Capital One simply reversed their decision because DESIGN COMPANY simply said that they provide services and with NO " proof of service '' evidence ... ruled in the favor of the merchant! i.e. because they ( XXXX XXXX ) said that they did these things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I have been dealing with Huntington National BankXXXX their tax department ( corelogic ) to get my property taxes paid since XXXX of XXXX. It is now XX/XX/XXXX and they still have yet to pay my taxes. I have made at dozens of calls to get this resolved between XXXX and now. I have done 3 way calls with them and the tax collector to ensure they had all proper documents to get this resolved. No payment has been made but the funds were removed from my escrow and XX/XX/XXXX. 

On XX/XX/XXXX I was told by a supervisor that the funds were approved and the check was being issued that day so it would be sent out that day or the following Monday XX/XX/XXXX. ( I do have all their contact info if needed ) The check was never issued and has yet to be sent. I have been on the phone with them for several hours yesterday XX/XX/XXXX after I received a call from the tax collector saying she has yet to receive payment. They keep telling me they are waiting for approval from their research department for the check to be issued. 

I am not sure why it has taken almost 4 months and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a new Venmo account. I had never used the service before. A friend sent me money through the app and I attempted to use those funds for an XXXX ride. Venmo declined the transaction with no additional information about why. I assumed that it may be because I had no backup payments associated with my new account, so I added a XXXX  debit card. This did not fix the problem. I then added my XXXX XXXX bank account and transferred out {$1.00}, to see if it was a Venmo or an XXXX issue. I also verified my identity within the app. I am unsure of which of these came first. 

Within a few minutes, my account was frozen for " violating the Acceptable Use '' policy. I had not done so, as everything I had done up to this point was not only within acceptable use but expected use. Upon contacting their customer support, I ended up with two open support tickets. The first response requested a copy of my driver 's license. The second requested a copy of my driver 's license and a bank statement from my XXXX account. I have provided both. They stated that they needed the statement to " prove '' I own the debit card. They are refusing to accept the statement because it lacks the last four digits of the debit card on it. But this is perfectly normal with bank statements and I have no way to correct it. I can not just force XXXX to change what they put on a statement. I have since removed my XXXX card from Venmo and added the XXXX bank account directly, verified through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have multiple accounts with Suntrust Bank now Truist. I have had issues with someone printing fake checks and processing them through my personal account. We typically catch them and they get reversed somewhat quickly. I never find out the outcome of the case. On XX/XX/2021 a check for {$9800.00} was cashed and taken out of my account. Nothing about this check looks like one of my real personal bank checks except my account number and my name. The address is not the same address that I use and it has Rental under my name. My checks do not have that. The signature on this check along with all the other ones is no where close to my signature. I have contacted Suntrust. they are in investigating but my issue is that my mortgage payment has not been able to be processed. They have tried twice and since i am in the negative it will not go through. I have been a long time customer with Suntrust. I have my business account through them as well. This is become a huge burden on me. I have no information of the status of the claim. I don't even understand how the check went through with the way it looks compared to my other checks along with the signature. I need assistance and I need it fast before I end up having issues with my mortgage company. I have filed a police report and i have filed complaints with other federal organizations looking for assistance. my case number with Suntrust is XXXX. Any assistance with this would be appreciated

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have been stressed, Depressed & On the verge of a XXXX XXXX XXXX. I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile.

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, XXXXossible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile. 

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, Possible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews. 

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation