vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: IN

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. 
Fraudulent accounts 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 2023-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I initiated a {$2000.00} money transfer to a friend through my bank 's XXXX system. It said they couldn't send it, and I was told to call them to resolve the issue. I called them and after answering all of their many questions to authenticate me, they asked me to provide them with a cell phone number so they could send me a text message. I have no cell phone, and providing them with a cell phone number if I had one makes no sense because that wouldn't be secure since they wouldn't be using a number already associated with my account. Because I couldn't provide them with a cell phone number, they claimed this made it so they couldn't authenticate me, and they told me they were freezing my account and that I would have to call back in a few days ( what would that accomplish? ). Because of this, in-flight checks I had made bounced and I could no longer use my debit card. All of my money was cut off from me. 

A few days later they emailed me telling me to call them, so I did. They asked me questions such as what was the money for and other infuriating questions. I told them I started the transfer, that I authorize the transfer, that it's my money, and that my friend needs it so I'm trying to send him it. They told me they'd continue investigating, and my account continued to be frozen. 

A few days later, they emailed me again telling me to call them again, so I did. They asked me even more questions, this time revealing the actual reason for all of it which was that because I was logged into their website from XXXX, they froze the transaction. I fully understand temporarily doing this from a security perspective to safeguard my own money and to make sure no one is trying to steal it, but when I call them and confirm with them that it's okay and that I authorized it and want the transaction to proceed, and they refuse to listen to me even after fully authenticating with them and answering a million security questions with them, that is crossing the line. They're holding my own money XXXX with no way to get access to it now and they have no physical branch locations for me to go to. This is a very authoritarian move. If this kind of behavior has been sanctioned by the U.S. government by law, whether this is the Patriot Act or other such unconstitutional laws, it should be struck down.

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/23 PNC Bank closed my Smart Access checking account. XX/XX/23 US TREASURY attempted to deposit an SSA payment for XXXX into a closed account. PNC bank did not return the payment to the US TREASURY because they stated the Smart Access account was closed onXXXX/23. As of XX/XX/23 neither the US TREASURY or PNC bank has resolved the issue by returning the funds to XXXX XXXX XXXX in which the I am entitled to since the payment is due to myself. I've been going back and forth with both the bank and social security in which I'm still waiting a whole 30 days for this to occur and it has not happened. I really need my monthly payment due to the hardship it has caused me, I'm currently living in a homeless shelter without any recourse since both companies involved have been less than helpful with no resolution. Please help me retrieve the funds that are owed to me as quickly as possible so someone else who needs a place to rest, eat, and sleep can utilize this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 purpose

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 2023-03-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I filed a complaint to the CFPB stating that TransUnion is falsely reporting a bankruptcy and that I would like it removed. They took 60 to complete the investigation responding with very little information and stated in the complaint they would send me a copy of the updated information on my credit report through mail. I never received the credit report. One month later, I called TransUnion to request a copy of my credit report and they still have not sent it to me. XX/XX/XXXX I tried XXXX to receive a copy only for them to tell me there was an open dispute on my credit report and I couldn't receive one. So i used my XXXX report, from XXXX XXXX to retrieve the report only to see that TransUnion is still reporting that the US Bankruptcy Court XXXX XXXX, GA is reporting the bankruptcy. I have enclosed a copy of the letter I wrote to the courts as well as the letter they sent back stating they do not report information to the credit bureaus. I wrote a letter to XXXX requesting a report and they stated in their letter, if the bankruptcy way before XXXX, TransUnion was using XXXX who verifies their bankruptcy information through PACER. I have enclosed a letter from XXXX showing they could not verify the information and they deleted the bankruptcy. They also deleted it from my XXXX XXXX XXXX. So I am confused as to who the furnisher is at this point. And seeing how they are falsely reporting this its in violation of my consumer rights 1681 ( a ) ( b ) to privacy and accuracy. At this time i am requesting that your agency hold TransUnion accountable and reinvestigate this matter and update the results, otherwise i am following up with my atty.

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 2023-03-03 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: CT

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: CT

Complaint narrative:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

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 2023-03-03 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX account numbers XXXX AND XXXX 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 non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is my 3rd complaint against Truist Bank concerning junk fees. This one shows me getting an overdraft fee while my account is still positive ( see attachment. ) The fee came from an unauthorized hold on my card that was removed. I was explicitly told by a Truist representative that I will still be charged an overdraft fee even though the charge was removed from my account by the vendor. Truist is routinely stealing from their customer 's bank accounts via illegal junk fees and nothing is being done about it.

The Truist representative referred me to their fee policy ( see attachment ) which in no way states that customers must pay fees for fraudulent or unauthorized charges.

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: TX

Complaint narrative:
XXXX XXXX has closed my account by saying that this account is risky and held my funds by saying that you are a victim of fraud, I completely agree with everything. 

I just want my money to be released by the company to me as a cashier check to my address. 

they have no rights to held my fund for so long, If company doesn't release my funds, please help me to file a legal complaint against the company and take my funds back. 

They are stealing people money by closing the account and saying you could be a victim of fraud. 

If i am a victim of fraud, who gave you right to kept my money, you are the one who did fruad with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
someone applied for a feb destiny card and it got approved and they maxed out the card and went over credit limit. We called company they wouldnt give us an address where they mailed it, and they said our address didnt match. Looks like this company ran my credit on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: FL

Complaint narrative:
delete credit inquiry 's

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 2023-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-03 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: NJ

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

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 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 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 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.
State: PA

Complaint narrative:
I have been trying for years now to resolve this situation with this company. I have sent MANY letters and calls stating it was a Workers Comp claim and that the original creditor did not give all information for payment in timely fashion and their window expired and they are forcing me to pay due to their neglect ignorance of numerous letters and calls. They have damaged my credit and reputation. 
I am writing to your office to please help me to resolve this clear violation of my consumer rights by Stern Recovery Services. They are unfairly and inaccurately reporting on my Consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt validation, ( Pursuant Regulation F, 12 CFR 1006 ) several times with no response. I sent a notice of debt validation, ( Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 ) as well as Cease and desist all forms communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). Stern Recovery Services have violated my Rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. The law is explicitly clear, ignorance of the law is no excuse. Stern Recovery Servicess 30 day Debt validation period has ended and they FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. Stern Recovery Services have violated my Rights pursuant 12 CFR 1006 ( c ) ( 1 ). They have failed to cease and desist all forms of communication with me. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. All collection activities on this Alleged Debt that they failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by Stern Recovery Services reporting the collection and the disputed status on my Consumer report with a DELETION 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 2023-03-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I traded in my vehicle XX/XX/XXXX. USAA report my credit 30 days late XX/XX/XXXX when it was not late causing my credit to drop and they will not correct the problem. I submitted all required documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation