vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Excessive fees that are abusive and outrageously expensive. Basically worse now than a payday loan that just results in bank making more money on more fees. On XX/XX/XXXX I had a positive balance yet on XXXX XXXX a fee was charged for item not showing pending that was not on debit card? I also complained of XXXX payment I didnt authorize in XXXX that later was credited XXXX XXXX your company still didnt respond or credit the overdraft fee. This is without question excessive to charge XXXX in XXXX alone with 23 overdraft fees! Thats more than some peoples Rent or mortgages. 
We have paid over {$2200.00} in fees since XXXX which is more than outrageous!! I have called and emailed only to be told the bank can not waive fees fee for the even even though our direct deposit will cover in a few days and they will not necessarily pay more than 3 a day and not charge a fee and can wait for a return thrn charge fees and charge fees on the small amounts and return utilities and important bills at there choosing and pay them later and charge 3 more fees if they choose.so when I ask about the 3 fees a day limit they say it really doesnt mean anything. Omg

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 2022-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I have been working with a loan officer who choose Rocket Mortgage to obtain my FHA loan. I am on week 6 of this process. Rocket Mortgage accidentally canceled my first appraisal. Then they decided last minute that they wanted a second appraisal. And then on the day I was set to close they let my FHA case number expire. No one has any urgency in fixing any issues. I know I am just another number, but I am a day away from loosing my house and no one cares, even though all of these hold up could have been avoided. They just don't seem to care. I know absolutely nothing about what's going on and I am literally in tears everyday this is being dragged out. There is a life changing consequence and I am the only one who will suffer that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX TO XX/XX/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
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
My information got stolen and used i found things in credit report that i did not authorized or used my self i have tried to contact the company 's and the credit company 's and no one will help me i called the policy I never gave any one permit ion to use my credit or to put negative things in my credit report In accordance with the credit fair reporting act states that everything has to be accurate 100 % based on their investigation. they they stated that this was validated yet i get ignored when i ask for the proof this is a violation of my rights 15USE 602 1681 section 604states that consumer reporting agency can not furnish my account with out my written permit ion so i did not give written permit ion to those accounts to report fraudulent accounts to my credit report PLEASE remove those negative reports to my account please delete 800LoanMart, XXXXXXXX XXXX XXXXXXXX and ll those address that i have never lived at i been in the same address since XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Pleaase3 delete these accounts due to this is a violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Bal : {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$1700.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 explanation
Consumer complaint received 2022-07-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus is obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: ERC
State: CO

Complaint narrative:
Hello, I checked my XXXX credit report today and noticed a collection agency listed on my report for a transaction of {$2400.00} from AT & T on XXXX XXXX for an account that I did not open. I called the collection agency Enhanced Recovery in XXXX, FL to find out who opened this acct and spoke with a XXXX XXXX. He wanted my e mail address which I gave to him, and then wanted my date of birth, and asked me if XX/XX/1956 was my birthdate, and I said no, and I did not give him my birthdate. Also he said he was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX? a service to correct bad credit, which I dont need. Is this a SCAM to make your credit look bad, so you buy services from XXXX XXXX? thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Previously contacted Citibank on a range of issues stemming from their contradictory statements -- three statements for a single month -- and their very belated non-compliance with credit reporting guidelines. After multiple for letters from the bank, none of which were relevant, Citi changed tactics and inconspicuously & without explanation shifted the onus to me, the client. The bank should be heftily fined, reprimanded or otherwise disciplined. Meantime, Citi has effectively wrecked my credit rating -- and not once has discussed the dispute with the client. If I could afford the protracted time and exorbitant money involved, I would file suit. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602A 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 consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602A 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC
State: GA

Complaint narrative:
XX/XX/XXXX I enrolled in a XXXX XXXX  class through a private lender XXXX. I became delinquent in paying my monthly payments and it was submitted to a third party collection - XXXX XXXX. I agreed to a six month payment plan of {$310.00} with XXXX XXXX to pay account off, which I have since XX/XX/XXXX until current. I have one last payment in XXXX, however, Launch isn't reporting my on time payments accurately to the credit reporting agencies. Launch is reporting that I am 13 months behind, when my delinquency began in XX/XX/XXXX and my on time payments started XXXX XXXX until current. Launch reps stated that for each on time payment posted, that payment goes towards the months that I was behind. But it would never show any current on time payment, because technically the account is still behind. This reporting practice has drastically effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I had unknown charges to my account I contacted support through chat on phone app. I informed them I had unknown charges- for the first 5 days I was told there was no way to recover money and to be more careful with my money ( see pic 1-4 ) after doing my own due diligence I learned I can dispute a charge and have XXXX liability and when I informed support I knew I could dispute they finally provides me with kink 2 days after I filled dispute I received an email stating dispute received card cancelled order new one through app. The next day i received another email stating I am getting a provisional credit because investigation is going to take longer then 10 days, I still have yet to receive credit and it has been 14 since I filled dispute and 12bdays since email I have contacted support numerous of times each time the say look for email response my case has been escalated 14 times and chat is abruptly ends and yet still no response or email now I trying to call them and I am getting hung up on 3 times today just hang up I have called merchant and they are unable to credit my account because they tell me my bank took money back already

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC
State: NV

Complaint narrative:
A debt on my consumer report from a company called LoanMe which further looking at my consumer report has been sold to a company called XXXX XXXX XXXX. This debt is a result of identity theft and I have submitted my police report and ftc.gov report to XXXX and LoanMe. The loan application does not have my handwritten signature on the application which is attached. It was an online application done AFTER my laptop was stolen from my car and a police report was taken ( attached ). XXXX is the CRA the company is using to report. Each dispute comes back " verified ''. It has been SEVERAL YEARS reporting and disputing. I realize, maybe that I'm not including this other company who now owns the debt XXXX XXXX XXXX XXXX ) ; so, I'm including them here. I am attaching all of my documentation here. I've tried fixing this issue and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.XXXX  XXXX. 
5.XXXX  XXXX XXXX XXXX 6.XXXX XXXXXXXX 7XXXX XXXX 8.XXXX XXXXXXXX. 
9. XXXX XXXX  XXXX XXXX. 
10.XXXX XXXX XXXX 
11. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4.XXXX XXXX. 
5.XXXX  XXXX XXXX XXXX 6XXXX XXXX 7XXXX XXXX XXXX XXXX. 
9. XXXX XXXX XXXX XXXXXXXX. 
10.XXXX XXXX XXXX 
11. 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
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/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