vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the XXXX data breach and may have possibly been interfered with.

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 2022-04-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the equifax data breach and may have possibly been interfered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: ME

Complaint narrative:
I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I ran my credit report and noticed Portfolio Recovery Associates is on my report twice. One account number is for the amount of {$1200.00}. I contacted Portfolio Recovery Associates by mail on XX/XX/2022 requesting validation of debt. They sent two statements with an incorrect address on the statements. I have contacted them 3 more times for more information, including the original signed contract with XXXX XXXX. The letters were sent XX/XX/2022, XX/XX/2022, XX/XX/2022 and finally XX/XX/2022. They have failed to send this repeatedly and is still reporting on my credit report. They continue to only send a few months of statements with a business address on it that I never received mail at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent XXXX XXXX XXXX contact me throughout the day, threatening additional legal action. Unbeknown to me, XXXX XXXX XXXX sent a summons to a XXXX address for which I did not reside. At the time, I was living in XXXX and was not aware of any legal proceeding by XXXX XXXX XXXX. As of XX/XX/2022, I offered to settle with XXXX XXXX XXXX at {$570.00} per month for XXXX. XXXX XXXX XXXX declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by XXXX XXXX XXXX. XXXX. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to XXXX, while I was living in XXXX. XXXX. Threatened and suggested my credit would be damaged. XXXX. Attempted to seize my property, personal bank account, demanding my debit card information. XXXX. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous XXXX XXXX XXXX personnel. XXXX. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. XXXX. Contacted me after requesting them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I deposited my first paycheck from my new employer. It was a paper check due to the company electing to complete a direct deposit verification with the account information prior to sending the funds to the incorrect account. I went to the drive-up teller window of my local Bank of America branch and made my deposit. I was informed that the funds would be available on XX/XX/2022. Some time later, based on my online transaction listing, a hold was put in place on my paycheck until XX/XX/2022. The amount was not over {$5000.00} which, to me, is an understandable amount to be concerned about given a high amount like that had not been deposited before. I attempted first to address the situation with Bank of America. The representative was informative and explained there was a hold and gave general reasons as to why it occurred when the teller stated that it would be available the next day. I then called the issuing bank of the paycheck and they confirmed that they already paid the check and there are now flags for returning the funds. I then called Bank of America again to complain and ask for help to get some sort of resolution or meet in the middle regarding this matter since the issuing bank has confirmed they have paid the amount. I asked if the bank could be contacted or the ACH be verified that the money was there. The three levels of support that I contacted kept repeating the same script and emphasized that there is nothing they are going to do to help this situation. I stated that it is causing financial, mental, and marital stress that there is no help occurring and all that was stated was an apology and nothing will be done. I then asked about automatic payments that I have coming to my account and how will these for sure bank overdraft fees will be handled. The second tier supervisor relayed that I will be responsible for those fees which will be taken out of that money once it is released. I complained that it did not make sense since they are holding the funds are not willing to help sort out that the funds truly are available from a PAYROLL check. There are no other phone numbers available for BofA to just file a complaint so I am adding it here for hopeful resolution for others because by the time this is addressed it will be too late.

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 2022-04-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In the last three days, I have received seven phone calls from Navient. Two calls came on Wednesday six hours apart from each other. On Thursday two more calls came in. This time it was less than two hours apart from each other. On Friday, I received three phone calls less than three hours apart from each other. The phone calls Friday used a XXXX area code number and spoofed the calls. Also the third call when I answered no one spoke up and sat silent. It was their intent to have me hang up then call back which would then direct me to Navient. That phone call there is deceptive. Also, according to FCC regulations a business attempting to collect debt can not spoof a phone number. It is misleading and deceptive. Also, repeated attempts to contact in this case is a illegal under the Fair Debt Collection Practices Act. I want to make a formal complaint and speak to someone in regards to having my entire account removed from Navient. The company did not notify me that a chunk of my federal student loans, which I had consolidated into my private loans, were sold off to a separate company. This not only nullified any prior payment agreements with Navient, it also means I now and paying for double student loans. My payment options did not change under Navient and it was expected I continue to pay the current payment without getting an updated breakdown on my account or how this move impacts my account. Under the Fair Debt Collection Practices Act, the company has broken several of the binding privacy and best practices and I would like to file a lawsuit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
the payment of XXXX was issue on XX/XX/22 with a check # XXXX. this is in response to my account of XXXX XXXX XXXX. ACCOUNT # XXXX. YOU COULD SEND ME A REPLY TO MY E-MAIL XXXX. AND A PROOF THAT IS PAID .ALREADY. 
XXXX XXXX THANK YOU!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-01 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: CA

Complaint narrative:
Have contacted Experian 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to Experian. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current 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 explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
My credit file included derogatory remarks without an substantial data to back up the remarks.

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 2022-04-01 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:
Trans union, XXXX, and XXXX are all reporting late payments from XXXX XXXX XXXX  on dates XX/XX/20, XXXX XXXX  on dates XXXX, and XXXX XXXX bank on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.

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 2022-04-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received an escrow letter from Truist Bank Mortgage regarding an escrow shortage but no information as to how I can pay the escrow shortage in full if I choose. I have been trying to contact Truist by phone for 5 days now and I am put on indefinite hold for mortgage, tech support, corporate office no matter what number is called. They do not give opportunity for a call back. EMAILS REGARDING ESCROW ARE FROM DO NOT ARE FROM REPLY ACCOUNT. I need help reaching Truist Bank Mortgage.

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 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Date of service XX/XX/2020 from a XXXX XXXX XXXX provider. Multiple dates of service throughout the year for the same XXXX, however this was the only date billed to me of about {$400.00}. For the next year I made numerous attempts to contact both XXXX XXXX and XXXX XXXX XXXX as to why this specific XXXX was not covered. As it turned out XXXX XXXX submitted the claim for that date incorrectly then submitted a second claim improperly formatted and without context. The claim was flagged by XXXX as a duplicate. XXXX requested more information but was not provided anything by XXXX XXXX. Throughout this ongoing issue I made numerous calls to both parties to try to resolve this issue. Aware of the problem, XXXXXXXX XXXX continued to balance bill me the {$400.00} and sent it to collections despite the pending insurance issue. To this day they acknowledge their mistake and error yet refuse to correct the issue and bring the account back from collections. XXXX XXXX XXXX and XXXX XXXX both have substantial documentation of these statements.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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