vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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:
XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NJ

Complaint narrative:
No one has assisted me in filling out this form. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX 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 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
After checking the information that's being reported on my most recent credit report, I noticed two inaccurate late payments that are being reported on my credit report for my auto loan account which was never late. 

Santander Account # XXXX 60 Days Past Due ( XX/XX/2020 ) 30 Days Past Due ( XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I called the banks to inform that the credit inquiries were identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX bankruptcy court discharge a loan on my home from Suntrust Bank yet the lien was never removed. Since XX/XX/XXXX I have been contacting Truist repeatedly to no avail to remove the lien because I am under contract to sell my home. I went to my local Truist branch and submitted the XXXX  papers, my husband death certificate, loan number and court documents showing me as my husband personal representative. The branch manger also submitted the documents but they have not and will not even respond to the branch manger. I also told the title company to just send a check for the amount so that I can close even though it was XXXX. The title company was told as I that they can not find the loan. This has been the case every time we reach out to Truist, there is a different person every time you call and no one is willing to help or give guidance on how to remove this old Suntrust lien from my home so that I do not lose the buyer for my home. 
I am begging for help so that I can sell my home. Please help me!

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 2022-11-29 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, XXXX XXXX XXXX XXXX XXXX call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or XXXX XXXX XXXX XXXX XXXX and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from Freedom Financial Asset Mgmt. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the Freedom Plus Loan Agreement is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact Freedom to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On the date of XX/XX/22 I mailed a letter to Experian, disputing several accts that had erroneous information on them, & which are hurting my Credit Score & subsequently are in direct violation of the Fair Credit Reporting Act. Experian received this letter on XX/XX/22. There was no response so I sent an additional letter on XX/XX/22. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is in direct violation of the FCRA : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX. I have given Experian more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They have REPEATEDLY refused to do so. They have not even responded. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed 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 explanation
Consumer complaint received 2022-11-29 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: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. 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. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.

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 2022-11-29 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: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. 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. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: First Technology Federal Credit Union
State: VA

Complaint narrative:
First Tech Federal Credit Union is engaging in predatory lending practices through deceptive marketing. On XX/XX/XXXX, I was sent an email ( attached ) offering a 0 % XXXX for balance transfers for 12 months and a second promotion offering XXXX bonus rewards points if I made {$3000.00} in purchases on the card in the first XXXX months. 

I called their support number to ensure by making purchases for the second promotion any payments I made would go first to purchases to avoid accruing interest before the 0 % balance. The representative assured me this was the case. 

I transferred {$15000.00} on XX/XX/XXXX and began making purchases. Despite paying thousands of dollars above the minimum payment each month, I have now been charged interest on purchases on my XXXX, XXXX, and XXXX statements. 

After repeated phone calls and emails, the XXXX XXXX XXXX XXXX shared the account opening disclosure, which includes a " How to Avoid Paying Interest on Purchases. section '' It reads : " To avoid interest on purchases after you transfer a balance, you must pay your entire balance, including any balances you transfer under in the introductory XXXX, purchases or cash advances, in full by the end of your current cycle. '' In effect, they are marketing two conflicting promotions. The first ensnares the borrower to transfer a large balance at 0 % interest and the second entices the borrower to make purchases which allows the entire balance to be subject to a much higher XXXX. 

I believe this practice, combined with the marketing emails, are predatory. I have made a complaint ( # XXXX ) with First Tech Federal Credit Union and they have agreed to reverse my interest charges and revisit their policies. 

I believe this joint promotion should immediately be discontinued. 

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 explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for the Citi Simplicity card. I got a denial because of too many credit inquires, three to be exact. I tried to call to speak with someone at four different phone numbers and could not even get a representative to speak with. One of the inquiries was a recently open card that I would be closing and transferring the balance to the Citi card. If a bank is going to deny you only on three inquiries there should be some one to talk to about the denial

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Contacted Target card services on XX/XX/2022 at XXXX after receiving a letter stating that they are denying my dispute claim after their investigation. I reached out to asked what other supporting documents that I can send for proof of identity theft and fraud as I was suffering from XXXX XXXX  XXXX and XXXX during the time accounts was opened in my name by my caretaker 's daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I ordered a sofa using my Goldman Sachs card. After many delays over 8 weeks, I attempted to cancelled the order. The retailer refused to cancel the order. I opened a dispute with Goldman Sachs. A few days later, the carrier contacted me, trying to schedule a delivery of the sofa, which I refused. I provided all documentation to Goldman and just received an email that my dispute was NOT resolved in my favor due to : " The evidence we received confirms that the merchandise was delivered '', when in fact, I NEVER took delivery of the sofa. To prove this, I have the ORIGINAL email the carrier sent me back in XXXX. Subject reads : XXXX XXXX XXXX : Your order XXXX has been delivered, body states that XXXX has the items and will contact me to schedule. This email states in the subject that the furniture was delivered when in fact it was not. I suspect the retailer provided a similar email when the second attempt at delivery was made in XXXX, which AGAIN, I did not accept and refused the delivery via email, in response to the same. I have attached the email threads in PDF format of the delivery attempts, and have multiple additional emails around the XXXX week delay, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've been attempting to get my credit score ( once a year free ) from Equifax. However, after 4 months of trying, I'm still unable to get an accurate score from them. The only way I'm able to see any kind of score from Equifax ( without applying for credit from somewhere ), is through XXXX XXXX. 

Furthermore, Equifax 's reporting on XXXX XXXX for my score is approximately XXXX point difference from XXXX and XXXX. Therefore, I strongly believe Equifax is misreporting my score to creditors and having a large negative impact on my ability to qualify for a home that is closing in 2 months. 

At this point, since Equifax is causing severe effects on my ability to attain a home and be in relative compliance such as XXXX and XXXX, I am considering a legal course of action against Equifax and their misrepresentation of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XX/XX/2022 in response to a Citi direct mail ad, I opened up a new Checking Account with Citi and deposited {$200000.00} cash. The direct mail ad stated I would receive {$1500.00} if I left the money there for 3 months. 8 months later and numerous calls later ( many with " a case will be opened and someone will get back to you '' I have received no follow-ups from Citi and a grand total interest of {$10.00}.

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 monetary relief