vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Credit Inquiries : IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN 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 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 an 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 explanation
Consumer complaint received 2022-08-27 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: CITIBANK, N.A.
State: NJ

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

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states 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 2022-08-27 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:
well i was watching the news and they was talking about XXXX reporting the wrong information for millions of people and that everyone who was impacted by this credit score drop or raise by XXXX points so i then went and check my credit score and noticed my score drop by XXXX points and I had 8 Inquiries and 1 account that I did not authorized I then called XXXX and told them about the inquiries and they told me that they are sorry but the inquiries will stay there for 2 years and that they could not take it off only if i had a FTC report is the only way they can take it off the inquiries are ( 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 XXXXXXXX

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 2022-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm not sure how it's confusing to you what has been requested. I have sent numerous letters to you reg mail and certified. I have filed multiple CFPB complaints you continue to close STILL violating the law. You have failed to validate the accounts you are falsely reporting. On every request I have asked for validation as well as how the accounts were verified who you spoke with and the method the accounts were verified. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit applications.Transunion has done nothing only stall. For your review the complaints sent to Transunion are XXXX, XXXX XXXX. There are attachments submitted with each complaint. To be clear the accounts I have continued to contact Transunion about are XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law.his account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I requested the deletion of the bogus accounts listed. Due to your lack of validation and false reporting, you have failed to follow FCRA regulations and my request for verification. You have failed to provide valid verification on which the other 2 bureaus have found to be inaccurate.Please note I intend to seek damages if this isn't resolved in a timely manner. I have contacted Transunion for months and they have continued to violate the law, my rights, my ability to lease a home, interest rates, costing me time, money and frustration. Transunion 's reporting is falsely representing me as a person.I have filed a complaint with the BBB and my state 's attorney general. This has negatively impacted me long enough I do not want my information sold or be seen as a $ XXXX I am requesting that the CFPB IMMEDIATELY REMOVE THESE INACCURATE ACCOUNTS.

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 2022-08-27 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: Transform Credit Inc.
State: IN

Complaint narrative:
There are inquiries that I dont know about. Transform Credit Inc, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist bank should have a back up method that allows clients to close their account even during a system failure by using XXXX XXXX instead and ever since the merger they have been very consistent with their system failure issues this not the first time but yesterday XX/XX/22 not only their branch level system was down even their ATM so no one was able to take their own money out or close their account and the branches didnt provide any work around so their was no other method inplace to help the client access their money during system issues, as a large bank this is a un excused matter how could they keep clients money away from being accessed one will think its their way to show a growth in the cash balance collected by holding the funds for the most part of the day to help with their own financial needs its been like that ever since the merger I would like to sue the bank for such matter, they have done the same by not allowing us to access our accounts through our bank cards or even online and they also blame it on the merger its time that they pay for not allowing us to access our hard earned money they should have had a back up plan in place but instead they invested on the new logo not on how to prevent clients not having access to their own money

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 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Location Services Holdings, LLC
State: CO

Complaint narrative:
I went through auto approve to buy out my current lease which they got approved through XXXX XXXX XXXX, the money was sent to XXXX XXXX and the account was paid. I was later contacted by auto approve that Colorado state law doesnt allow them to pay off a lease directly and needs to be done through the dealership which they claimed they did not know. They then told me they were canceling the financing after it had been completed for 2 months. I had already made a payment of {$570.00} dollars to XXXX before they cancelled the financing because I did not know they were going to cancel the financing until I had already paid. I have auto approve how to get my payment back as well as XXXX and have not got any answer back after several attempts. I should not have to pay for a loan that I received nothing from and was cancelled by them and not me. All I want is my money back and be done with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Case Number : XXXX My name is XXXX XXXX, I am a Webster Bank customer and someone created a cash app account and used my Webster Bank card to send payments to different people totalling more than {$3000.00} thereby making me to be at lost. 

I have repeatedly told my bank that I was scammed and I need my money back, but my bank issued me credit and refused me to make use of it untill after investigation. 

After few days, I got a letter from my bank that they have taken the funds back. My bank has closed my account because of this. 

I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I banked with Bank of America years no problems at all years I lost my card didnt know till like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXX XXXX I would never write bad checks in my account never I have a business I cant even get proper business structure now cause of this

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 2022-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
As online pay is the normal paying option for consumers in America, there is a problem with me paying {$7.00} every time I make a payment on my vehicle. I have a problem with this as well as my interest rates which exceed 18 %. I believe there is a law in South Carolina that my rate should not be above % 8.75. The finance company is overflowing me with charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: KY

Complaint narrative:
Hello, I had an auto loan from XXXX XXXX XXXX. I personally believe that I paid the loan off but they kept adding money towards the end. I finally filed Bankruptcy and they charged it off. However they kept adding money to the chargeoff account as if it were a current open account and they are reporting that I was late several months on my report that should be deleted from my credit reports. I have tried to contact XXXX more than five times and they have not responded to me or the XXXX. I would like to rectify this matter.

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 2022-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was stolen in 2021, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting Act I have the right as a consumer to dispute and remove any unauthorized inquiry or account that have been found on my credit report. Please remove all the inaccurate/fraudulent inquiries I have listed. 
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  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 hand written instructions. 1681 Section 604 A Section 3 states I have the right to recoup fines up to {$1000.00} per violation against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: DISCOVER BANK
State: IN

Complaint narrative:
There are inquiries that I dont know aboutXXXX XXXX XXXX XXXX Discover Financial Ser, XXXX Discover Financial SerXXXX 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 non-monetary relief
Consumer complaint received 2022-08-27 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 XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to Equifax. I have never been late and this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to the credit bureaus. I have never been late so this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting misleading payment history to Equifax. I have never been late and this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated by reporting fraudulent information on my credit report. Im a natural person and Ive never applied for any service through XXXX or its subordinates. This account needs to be removed from my Equifax credit profile immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by harassment and perjury through mail, email, phone calls and calling my friends. Ive never physically signed any contract binding me to any terms of service, although if I Ill take full responsibility but as the consumer I have the right to request that the original creditor ( XXXX XXXX XXXX ) show evidence in writing within 5 business days of receiving this dispute under FCRA guidelines. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: LEXISNEXIS
State: KY

Complaint narrative:
Hello, I have written to and have called Lexus Nexus and asked them to please remove any information about my bankruptcy XXXX XXXX XXXX XXXX  because I didn't authorize for them to have it and give out my personal information to a third party. They have not responded to me at all. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
This is XXXXXXXX XXXX and I am submitting this CFPB Complaint to request the complete removal of the remaining fraudulent information being reported on my Credit Report. I previously sent a letter addressed to the Experian Credit Bureau to request that they remove the accounts and inquiries that resulted due to identity theft. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inquiries that resulted due to identity theft. However, upon checking my updated Credit Report, Experian still indicate the disputed items on my Credit Report and claimed that the items and inquiries belong to me and are verified without sending me copies of documents bearing my signature or any document to serve as a proof of verification. This action by Experian is a clear violation on my rights under the FCRA regulation. I am now submitting this CFPB complaint to request that Experian conduct another investigation and if possible remove the disputed items from my Credit Report. I need the following items deleted as soon as possible : 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 explanation
Consumer complaint received 2022-08-27 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: KY

Complaint narrative:
Hello, Experian deleted XXXX XXXX XXXX, good accurate credit report from my credit report. I have asked them to please put it back but they will not. Which is having a negative impact on my credit score. Please help me resolve this issue with Experian. Thank you so much.

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 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Financial Services has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. 

Discover Financial Services has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. 

Discover has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) Discover has violated 15 U.S. Code 1692f ( 8 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit B & C ) Discover has violated 15 U.S. Code 1692d ( 2 ) by using profane language two times to guilt me into paying a debt that I don't owe. ( Exhibit D & E ) Discover has violated 15 U.S. Code 1892b ( 2 ) tried two times to collect an alleged debt from me outside of my state. ( Exhibit D & E ) Discover has violated 18 U.S. Code 1961 by using extortion two times o coerce me into paying an alleged debt. ( Exhibit D & E )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I sent a debt validation letter to Convergent Outsourcing through certified mail. The package was signed for on XX/XX/2022. It is Now XX/XX/2022 and I have not received any validation or verification nor a response at all. The account is still reflecting negatively on 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 explanation