vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I run a very small business and it's still rebuilding due to the Pandemic. Each and every time I make a deposit from a well-known business, Truist 90 % of the time put a 10-day administrative hold on my money. I have experienced this craziness for a year now. Who holds checks in this day and age?. In the meantime, Truist has already withdrawn the money from the checks that are on hold. I HATE this bank and will be changing to some other establishment. The merger has been nothing short of havoc. I have another business account that was very well established with SunTrust. I continue to read the reviews on the horrible Trusit bank. It makes no sense to hold checks like back in the 90 's. I know about 5 people who have closed their account due to the low rating and holding checks for 10 days. It's hard enough to keep a business going. I have payroll and more importantly bills to pay. Stop putting hold on XXXX to XXXX checks from well established companies. It would be different if the deposited checks had not cleared the bank. How do I k now? I always call the company who issued check to my company to see if it cleared their account. I even wrote a personal check to my business and a hold was put on it as well. I checked my personal account, and it clears the very next day because it was deposited prior to XXXX the day before. Just downright outrageous. Just what kind of bank is this? You go into customer service and it's a total waste of time. They can't say anything but " sorry, that's the rule, 10 days. One banker told me to have the company to cashapp the check for the services I rendered. WHAT??? 

The bank manager assured me after the account was at least a year old, I would no longer have administrative holds. The companies I work for are very well established and have never written a bad check to me. Also, one bank manage told me to ask for XXXX as payment for the work I do for them. I thought that was a very unprofessional remedy to my problem. 

I sold a vehicle to XXXX XXXX in XXXX Ga. I was given a cashier 's check for the proceeds. The dealership also uses Truist as their bank. It was basically a Truist to Trusit type transaction and Trusit still put a hold on my account. I feel as though they are using everyone 's money to gain interest for their horrible bank. 

I made a deposit on XXXX for XXXX plus just to find out there is another administrative hold of 10 days.

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 2023-02-20 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 166b A creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.

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 2023-02-20 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: OH

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. 

Account name : # XXXX, XXXX XXXX XXXX, Account name : # XXXX, XXXX XXXX  XXXX XXXX Account name : # XXXX, XXXX, has XXXX XXXX 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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

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. 
Account name : Credit Management LP Account Number : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this account XXXX XXXX account number XXXX is a fraud account. ftc report has been provided to credit bureau this needs to be removed off my credit report. ftc report has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
account always in the negative always paying charges and interest on things i never understood about this account stay in negative when i don't have the funds they still take them so i will own them more money this has been going since the year of 2010 i contact the bank to see if i was eligible. For the law suit.no one responded to me at all

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 2023-02-20 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: OH

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. 


Account XXXX : XXXX Account Number : XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  BANK XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX BANK XX/XX/2022 XXXX CARD XX/XX/2022 XXXX CARD XX/XX/2022 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis is still reporting a bankruptcy on my report in which I have never filed a bankruptcy. The courts said they do not furnish that information to the credit bureaus. Lexis Nexis has my ID and SSN and they are still reporting based on name and address only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bank under 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 non-monetary relief
Consumer complaint received 2023-02-20 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bank under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX under 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 non-monetary relief
Consumer complaint received 2023-02-20 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
For the last two months I have been trying to access my life savings which is with Citi Bank. The refuse to help me and tell me my account is inactive and to send in a notarized form to request my account be re-activated. I sent a certified letter tracking # XXXX via USPS. I confirmed with Citibank that they received the request and my account was active. I attempted several times to initiate a transaction via ATM debit and online transfer. When I call the customer service line I receive conflicting information from every agent I speak to. At this point I want to close my account and want my money back. Citi is holding {$280000.00} of my life savings hostage and won't provide a digital means of reinstating my account. Citi does not have any branches locally in XXXX or XXXX Texas. When I call the toll free line they send me to an offshore call center and the customer service is way below standard of a bank of this size. Please help me I'm desperate to get my money back.

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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Identity Theft/Fraud Rental Property - Unauthorized use of my name and information to obtain rental property. Debt collection past due of {$2100.00}. 

I checked my credit report associated with my XXXX XXXX credit card cell phone app, where I discovered activity stating I had a derogatory account with Rent Recovery Solutions in the amount of {$2100.00}. Upon calling the provided phone number, ( XXXX ) XXXX, they confirmed the following : Collection Agency : Rent Recovery Solutions Account Number : XXXX Reporting Agency : XXXX XXXX XXXX XXXX Unit Number : XXXX Fraud Rental Property Address : XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date Opened : XX/XX/2020 Past Due Collection Amount : {$2100.00} Admin fee : {$120.00} Unauthorized pet fee : {$1000.00} Compensation : {$50.00} Lawn care : {$150.00} Repairs : {$360.00} Carpet : {$140.00} House cleaning : {$300.00} *Stated they paid application fee and deposit *No ID on file *Found property online I did not action/authorize the use of my name/information for this rental property. This is fraud/identity theft and I wish to dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: OH

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. 

Account name : # XXXX, XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, WebBank/Fingerhut, 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 repo
rting 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 2023-02-20 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: OH

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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Please see attached-i did call Transunion to dispute the credit rating but they notified the results through the US Mail to an address that we lived in 10 years ago. It took almost two months to get us the results as it was filtered to someone that knew my grandmother. This document said that the investigation is complete. We have sent the attached document back in 2014 to their attorney. The attached documents the series of events as we are demanding this is taken off our record as we do not owe a balance and have never been late on any payment in the 7 years that we lived there.

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 2023-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I reached out to them XX/XX/ 2022 about closed charge off account being removed. The account was closed and sold to a debt collector. Trying to get money but never responded to me within the 30 days. I asked for the account to be removed. Its at 7 years already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FlexShopper, Inc
State: IL

Complaint narrative:
They are knownly taking repeated debit transactions more than the amount agreed upon. Stealing money out of my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Good morning, I was approved with Homeowner Assistance Funds to receive help with my mortgage loan for 18 months. 
Last XXXX I started having issues receiving payment from HAF and as today I do have 3 months past due. I have been calling HAF and asking them to find out what the problem is, but I have not received any help. They tell me that they do have an investigation to know why my account is not receiving the payments every month.

I am scared of losing my house. This is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX AmeriHome Mortgate ( XXXX ) Thank You!

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