vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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.

has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX TO WHO IT MAY CONCERN, THE ACCOUNTS LISTED IN THIS REPORT AND THE ATTACHED DOCUMENT ARE FRAUDULENT ACCOUNTS OPENED WITHOUT MY KNOWLEDGE AND CONSENT DUE TO IDENTITY THEFT.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, I am currently trying to purchase a home and my credit been hit numerous of times Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. This information is inaccurate and need to be addressed. Please correct information concerning all these inquiries. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance

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 2024-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
Company named " XXXX XXXX XXXX  '' filed for their bankruptcy. I was using their XXXX service and the treatment was still in XXXX but no one is supporting from their side on how to go ahead with XXXX and XXXX payments. They had given a XXXX XXXXXXXX XXXX as well. 

Since this company is not able to provide me treatment and my XXXX XXXX XXXX, I stopped their future payments [ XXXX XX/XX/XXXX ] and raised dispute around XX/XX/XXXX on last payment made on XX/XX/XXXX which was done with a third party company called " XXXX XXXX XXXX ''. This company is handling XXXX for XXXX XXXX XXXX. 

When I stopped their payment, I got a letter from them around XX/XX/XXXX and they are threatening me to send the amount to collection which is going to impact my Credit Score. Had a call with their Executives and explained the complete situation of Bankruptcy [ which they were aware of ] but found no solution and because this was going to impact my credit score, had no other way but to start the payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( a ) Reinvestigations of disputed information. ( 2 ) Prompt notice of dispute to furnisher of information. ( A ) In general. - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. Recently, I did an investigation on my credit report which caused me severe XXXX upon me and found it unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had to open a credit card with Synchrony bank in order to establish a phone service through Verizon. I did so and since the Verizon Synchrony account opened in XXXX XXXX, I have received only 2 statements, one in XXXX and one in XX/XX/. I am not enrolled in e-statements through Synchrony Bank credit card account so no statement is listed under my name on their website and Synchrony Bank will NOT mail a statement to me. I was told in XXXX or XXXX XXXX  phone call to Synchrony customer service they will not mail statements at all. The bank wants me to be late on the payment to be able to charge me fees and penalties. I have called numerous times to ask for a statement to be mailed and today, XXXX called, sent a message on their website requesting a statement. I do not know what they are charging me for what service and only can know the amount I owe and no other information. They are a horrible company with a focus on cheating and trying to hide bills, make you late in a payment and force you to enroll in their e-bills even though they offer a choice of ebills or paper statement. Do I not have the right to know what I am being charged for with a company? They share no information, no listing of charges, just an amount on their website that you owe. What are they trying to hide?

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 2024-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.T.R. Financial Services, Inc.
State: FL

Complaint narrative:
I received a letter from RTR Financial Services dated XX/XX/XXXX about a balance owed to XXXX XXXX XXXX XXXX XXXX. It said I had until XX/XX/XXXX to dispute the debt. I mailed a letter to RTR Financial Services on XX/XX/XXXX showing them a letter from my health plan that says they have approved the claim for payment for the exact amount still due but couldn't provide an actual date it would be paid. I told RTR to never contact me again about the debt. I received another letter dated XX/XX/XXXX so I resent the prior communication by mail and once again told them to cease and desist. I received an automated phone call/voicemail today XX/XX/XXXX to my mobile phone from XXXX which is a violation of the Telephone Consumer Protection Act. They are also in violation of the FDCPA by continuing to contact me after they have been told to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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:
The school will not provide any transactional history to any third party companies due to the family and educational privacy act of 1974. The debt was forgiven and whatever was forgiven was to come back to me in the form of a check. Company has 14 days to remove inaccurate information and provide remedy and compensation for violations.

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 2024-01-25 00:00:00
Product: Credit reporting 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:
The school will not provide any transactional history to any third party companies due to the family and educational privacy act of 1974. The debt was forgiven and whatever was forgiven was to come back to me in the form of a check. Company has 14 days to remove inaccurate information and provide remedy and compensation for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to you with a heavy heart, burdened by the weight of the financial struggles exacerbated by the inaccuracies on my credit report. The credit bureaus have become a source of immense distress, as the negative items persist, casting a dark shadow over my life. 

Despite my best efforts to rectify errors and settle outstanding debts, the credit bureaus seem indifferent to the toll this is taking on my daily existence. The unrelenting presence of these inaccuracies is making it nearly impossible for me to secure basic necessities, let alone plan for a stable future. 

I find myself contemplating the drastic step of filing for bankruptcy, a decision I never imagined making. The impact on my emotional well-being has been profound, as the stress and XXXX  associated with these financial hurdles seem insurmountable. 

I implore you to intervene and advocate on my behalf to rectify these inaccuracies promptly. Your assistance in ensuring a fair and accurate representation of my financial standing on the credit report would be a lifeline in these challenging times. 

Thank you for your attention to this matter, and I sincerely hope for a resolution that will restore not only my financial stability but also my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Now trans union is not reporting my XXXX account. They tell me that it was deleted as a result of the complaint against 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. The following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Truist Bank regarding the repeated lockouts of my business account and the complete lack of communication from their end. I am deeply concerned about the impact this has had on my ability to access and manage my funds. 

I have experienced two separate incidents where Truist Bank has locked me out of my business account without providing any prior notification or explanation. To add to the frustration, I have not received any written communication or phone calls from Truist regarding these lockouts. Ive personally reached out to them both in-person at a branch ( XX/XX/XXXX, XX/XX/XXXX ) and over the phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to address these issues. 

Upon contacting Truist 's Fraud and Account Security departments, I was informed that there is no case on their end, and there are no fraud flags associated with my account. Despite this, they have been unable to completely unlock my account, citing the current lockout as the result of an individual at a branch. Regrettably, this specific individual has proven to be unreachable for all occasions Ive reached out to Truist. 

I am extremely concerned about the lack of transparency, communication, and the inconvenience caused by these account lockouts. As a customer, I deserve to know the reasons behind these actions and to have access to my funds without unnecessary obstacles. Truist 's failure to communicate and resolve this matter promptly is not only frustrating but also puts my business operations at risk.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate from identity theft. I sent a letter including a copy of an identity theft report Tracking # XXXX to Equifax on XX/XX/2024 XXXX arrived on XX/XX/224 and I asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

So 1 then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days ifter receiving a request from the consumer for that description.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was called by CitiBank on XX/XX/XXXX and told I had some charges to my account that they wanted to verify that I had made. There were XXXX charges totaling {$4600.00}. I told them I had not made any of the charges. They said they would lock my account and take care of the charges and send me a new card. ( This took over an hour on the phone ). The representative called me again on XXXX  and said he wanted to set me up with text notices from CitiBank as it was the best way to alert me if there were ever any more bogus charges on the account. ( This took XXXX phone calls and over an hour of my time again ). He told me he was unable to set me up with text notices ... altho while we were talking I did receive XXXX texts from CitiBank but apparently not the kind he wanted me to get. Anyhow I figured problem solved ... my new credit card will arrive by XXXX  XXXX. Later on XXXX  I notice XXXX more charges on my ( locked ) account that I hadn't made ... totaling {$650.00}. Also a notice on my account that I needed to call them about a fraud problem. So I called the number and the representative told me that he could not tell me anything about my account because I could not give him a verification code that I should have received by email or by text. I have never received any kind of verification code. He said I would have to wait until I got a letter in the mail with a code on it to prove that I was me before he could do anything about my account or tell me anything about my account. This is after I gave the earlier representative my phone number, account number, social security number and bank account number... .I was very uncomfortable giving him all that info. but I did it anyway. So now I await a verification code coming by mail ( 3-7 days ) so I can use my account and make sure they block the charges that posted on XX/XX/XXXX & XX/XX/XXXX. In the mean time I have received a text on XX/XX/XXXX saying that they are sending me a new card... I thought they couldn't text me?! If you XXXX " Having trouble with verification code for CitiBank '' there is a loooong thread of complaints about this same issue. 
I am now in the process of searching for a new credit card company.

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 2024-01-25 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
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  Greetings to whom it may concern, I am currently trying to purchase a home and my credit been hit numerous of times Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. This information is inaccurate and need to be addressed. Please correct information concerning all these inquiries. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance

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