vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX TRUIST BANK 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 US DEPTARMENT OF ED 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-06-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: CA

Complaint narrative:
I have been trying to communicate with Trans Union for years on the same issue. They refuse to delete accounts reporting inaccurately on my credit report. They send me letters stating that the accounts have been verified, but refuse to show me proof that these accounts have been validated or verified to be mine. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts : 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 consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: LA

Complaint narrative:
Company charged off account but still reporting to my 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
I have a loan repayment benefit through my job, where my job sends XXXX $ monthly to my loan servicer for payment towards my student loans. XXXX XXXX sent a payment of XXXX $ to Ed financial services in XXXX, XXXX, and XXXX. In XXXX I reviewed the account and noticed none of the payments have posted to the account. I spoke to XXXX XXXX and they provided me with copies of the checks showing that they have sent they payments to the account and the checks had been cashed. I contacted ED financial third week of XXXX and they responded that since my account was transferred to another servicer on XX/XX/21 it will take them 60-90 business days after the transfer to reflect in the balance. It has been another month and I still do not see the payments reflected in the account, so I contacted Ed Financial again and they responded that it hasn't been 90 days yet and offered no further solutions or status of the account. I made a personal payment to the account in XXXX that posted in about 2 days, so it very concerning to see such a delay when the checks have been cashed by the company months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-23 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: AZ

Complaint narrative:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

6. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Even Responsible Finance, Inc.
State: CA

Complaint narrative:
The Even app is a mobile app run by XXXX. They offer services such as savings accounts and payday advances which are deducted directly from your paycheck as per their agreement with an employer. In this case, my employer is XXXX. An employee is allowed to borrow against their future paycheck and the deduction will be reflected on the following pay period. For the past 2 weeks, Even has experienced technical glitches which did not allow those deductions to take place. For my pay period ending XX/XX/XXXX a deduction in the amount of {$940.00} was supposed to take place and it did not. After speaking with Even support, I was assured that the issue was resolved so I borrowed from myself again in the amount of {$340.00}. Now for my pay period ending XX/XX/XXXX neither the {$940.00} or the {$340.00} was deducted. I was told again that this money will be taken out of the next pay period. Unfortunately, this puts the grand total at {$1200.00}. My check will not cover that amount which means that this company will deduct my entire paycheck leaving me with zero for at least 2 weeks. I know that with garnishments, a company can not take more than 25 % of an employees take home pay and although this is probably not considered a garnishment, perhaps leaving a person with a zero balance on their paycheck is unethical. I have informed Even that this has caused a financial hardship on me as my rent is due on the time in which they plan to leave me with no money. Although it was their company 's fault, Even has not offered any reasonable solutions. As per my employer, there were 998 people affected by this. That's 998 lives affected. 998 people who will work and go without a paycheck for 1-2 weeks. I tried offering them a payment plan and they said they need full payment. They just do not want to work with me towards a reasonable solution. I have informed them that as of XX/XX/XXXX I officially revoke my authorization to deduct an money from my future paychecks. I can only hope they acknowledge and obey this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has not responded in a timely manner to notification that the company is not reporting my credit history. They were notified at the end of XXXX, by my credit union that the Experian credit report was not posting data about my account, which had been sent to them. Subsequent to this failure on their part, they eliminated my XXXX score. They have been notified by me of the problem. It '' s been almost 90 days, since they were notified by the XXXX XXXX, and they have yet to update my credit report, communicate with me or even offer a valid phone number that they will answer ( the one on their credit report does not get answered ). They are clearly in violation of the credit reporting law.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 15USC 1681. 

XXXX Account : XXXX which was removed from my report a account that has made me open to possible fraud that didn't belong to me. XXXX XXXX and XXXX XXXX are also reporting the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

1

5 U.S.C 1681 section 602 A. States I have a 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 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 2023-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wanted to make a payment on my XXXX XXXX loan. I have been having difficulty signing into account online since XXXX XXXX. When using Truist app on my phone, I get a message, Service unavailable at this time. Try again later. Trying again later over, and over does not improve the process. I tried using the Truist website for online banking. After successfully logging on, I immediately get a message, You have been logged off after 10 minutes of inactivity I never get to an option screen, and I am kicked out. 

On or about XX/XX/2023, I contacted Truist at XXXX for assistance with accessing online banking. After explaining my difficulty for 10 minutes, I am given the opportunity to make a payment. I provide the account number, and then I am told Truist is refusing the payment because the account is more than 30 days late. The account is late because I can not logon to pay. I am also told that online access is probably restricted because the account is late. Approximately, 20 minutes has passed, and I am given another number to call to make the payment, ( XXXX ) XXXX. I insist on help with logging into account using mobile app and/or website, which is why I called. I am given a number to help desk, XXXX XXXX. I am given an offer to create a new password. There is nothing wrong with the password, if I can login. I have spent approximately XXXX minutes, and have accomplished nothing. It is XX/XX/, and I still can not access online banking. 

According to correspondence dated XX/XX/, online banking and mobile app are a benefit. There is no indication that restrictions apply. 

I have updated browsers, and mobile app. I have uninstalled and reinstalled app. I updated XXXX. I ran security and virus checks.

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 2023-06-23 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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the past 5 years, I have been receiving letters in the mail from Bank of America associated with my BofA credit card. These letters are sent almost weekly with an offer to transfer balance from other cards to the BofA card. 

I've called BofA multiple times to remove me from their mailing list. In addition, I've followed their online process to remove myself from their online marketing. Moreover, I've filled out the " do-not-mail '' and " do-not-call '' registries available through third party organizations. 

BofA has been unable to remove me from their lists for some reason. When I recently checked my mailbox, I had 7 of these letters. The volume and frequency has gone past the breaking point - I need help to stop these letters from coming to 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 non-monetary relief
Consumer complaint received 2023-06-23 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: FL

Complaint narrative:
There is a major error that is linked to multiple negative items being furnished on my credit report. 
XXXX XXXX XXXX is not an establishment that i have ever worked or have any affiliation with. 
this is a clear ERROR or someone elses information on my report. 

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