vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account Name : XXXX  Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account Name : XXXX Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I had an auto loan that was XXXX in a XXXX  XXXX bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX XXXX was the creditor of said loan and continuously submits the settled account to my credit report as a derogatory remark. I have contacted them and they have confirmed that the account is settled, but claim that they are unable to correct it with the credit reporting agencies. I have disputed the error with transunion and they confirmed that it is settled, but did not remove it from my credit report. On XX/XX/XXXX I was notified by XXXX that XXXX XXXX XXXX XXXX has submitted the settled account as a derogatory remark to my XXXX credit report. I disputed it and am awaiting the results. If I can not get this resolved by going through the proper channels, my next course of action will be to file suit against all parties that fail to correct these fraudulent reports and seek extra compensation for the stress and hardships this has caused 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed a certified letter XX/XX/2022 to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balance they responded stating I was not specific with my dispute. 

XXXX XXXX account # XXXX  XXXX this is a charged off account which has an inaccurate balance amount also with an inaccurate past due amount listed has also inaccurate Date of First Delinquency and also Date of Last Payment please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/2022 I have received an offer from WF XXXX for {$25.00} off new XXXX XXXX membership ( exp XX/XX/2022 ). I purchased one for {$45.00} on XX/XX/2022 however the {$25.00} was not credited. When I contacted WF I was told that the offer ( attached ) either doesn't exist or I didn't activate it. The supervisor actually told me that if the offer existed it didn't need to be activated however she said she can not address this issue ( even if I would send her a screenshot of what sent to me ) and has to refer the matter for " research. '' I was also informed that to have the issue addressed I would have to go through four different escalation levels. This requires not only an incredible time consuming and administrative burden process that I believe has been designed on purpose not to pay out. 
XXXX I think it is shameful that the CSRs dealing with this issue are unable/address this issue even at the point of proving the offer as we speak on the phone.

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 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This alleged debt isnt mine. After asking for validation of debt the a letter displayed a different owner who is is not me. 

Radius Global Solution stated the information was accurate but the name on alleged debt isnt me. 

Amount of Debt : {$260.00} Original Creditor : 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In Accordance with the fair credit Reporting ACT XXXX  Account Names : 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 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
Net spend has been receiving my stimulus payments and taxes for the past 5 years

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax said they did not get the FTC report from you so I am reuploading here to ensure they get it along with XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I tried to refinance my XXXX loan with Rocket mortgage, after being approved for loan and having appraised I was told to make repairs I made repairs and asked for final inspection several times The never responded and never sent appraiser out allowing the rate lock to expire twice. They then said that it to too long for the appraiser that they did not sent out to return and my credit rate had drop, which was because I used credit cards repair they ordered that our city inspectors said was not required. I believe that Rocket Mortgage is using low ball appraisals and fake repairs to keep XXXX people in what they deem undesirable areas to refinance and access the equity built in their home, the loan # XXXX. I had everything in order on time to close loan and they still denied my refinance because the keep pushing back the closing date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, I went to a TRUIST bank located in XXXX XXXX to open a XXXX XXXX  Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that TRUIST denied my request to open the XXXX XXXX Account based on personal information on my XXXX consumer report. That did not make any sense to me.

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by TRUIST. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX Upon reviewing my lexis nexis report i found that there is a claim report on a vehicle from the previous owner before i purchased the same vehicle XXXX months after. 
XXXX file number is XXXX XXXX claim is XXXX Previous owner policy number/type is- XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX number of vehicle is XXXX My name is XXXX XXXX and Fiance name is XXXX XXXX we purchased this vehicle XX/XX/2021 and on our Lexis NexisXXXX XXXX report says that there is a claim from XX/XX/2021 on our report. 
Please for correction. 
Also there is a open claim from XXXX where it says that they paid XXXX $ to me and some insurance companies get confused that i have a claim still open. Please for correction so future misunderstanding is avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
About a year ago, I received an installment loan from Tower Loan on XXXX XXXX XXXX in XXXX, XXXX XXXX Within the last two months, I requested an additional {$1000.00} dollars. I was told that I had to have insurance in order to secure although I told them that my products were insured. I was asked to list household products with a XXXX credit score. The loan maturity amount will be XXXX plus dollars once the loan is paid for. I questioned the practice and was told that if paid out early that the additional fees would not apply. However, after during research, I learned that the practice of manipulating clients has been addressed in the past via XXXX XXXX Tower Loan XXXX XXXX ( Civil Case Number XXXX. The company is continuing deceptive practices.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed an online dispute regarding a collection on my credit report reported by XXXX power bill. 
I submitted all documentation showing I do not owe XXXX power anything and still Experian refuses to remove this 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 explanation
Consumer complaint received 2022-05-03 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 an XXXX old widow and have been making charitable contributions through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA, for a XXXX church in the predominantly-XXXX  country of XXXX. With their end-of-year giving statement, the church indicated that checks had been periodically been stolen from the churchs mailbox throughout the year and that donors should check their records for any fraudulently-cashed checks. I did that and discovered that two of my checks had been cashed without any endorsement. XXXX  the Truist " Bank Services Agreement and Privacy Notice, '' I immediately reported the fraud to the local branch, making a fraud claim at a local branch. I also paid the fees to perform a stop payment on two outstanding checks. I was not given any documentation, but was told that I would hear from them within 30 days. After 45 days, I went back to the local branch. They said that, because of the transition from SunTrust to Truist, they had not done anything yet and they would elevate the claim. After not hearing anything from them for some time, I went to the local branch yet again. They called someone that said that the claim had been denied because it had been over 45 days. Throughout the entire process, I never received anything at all in writing from SunTrust/Truist. To the best of my knowledge, they have done nothing to help me. 

The two checks total {$2200.00} ( check no. XXXX for {$100.00} and check no. XXXX for {$2100.00} ). 

I have had a checking account at Truist Bank before they were SunTrust, since they were known as XXXX, and am very upset at the lack of respect and support they have shown 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 explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting false & misleading information. 

Name on alleged debt doesnt belong to me. Different name on account. 

XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: TN

Complaint narrative:
back in XX/XX/XXXX I tried to open a max rate checking account with e*Trade bank and received an error message that my SSN was invalid, so I called in a spoke with a rep. I confirmed that I previously had an account but it was closed. I was advised if the system was not allowing it to be done online to print and fax the application for a new account which I did. I submitted it and called to check on it later, this went on for about a month. I would call every couple of days to check on the status of the new account and was told it was in review, I was told send color copy of photo ID and SSN, which was done. I called few days later and told to submit again, this happened multiple times. Well almost one month later they finally opened the new account, they opened it up on XX/XX/XXXX which was exactly 3 days shy of being a month that this application for the new checking account had been in review but it was finally opened on XX/XX/XXXX. I called in to inquire about my debit card issuance and was told they sent card to my old address and when the new account was opened they did not update my to new address or update any of my contact numbers or info and still had all the old info. I would have assumed they would have updated everything since all my updated info was provided with the new application that they took a month to process, review and open. So the rep tells me they sent debit card to wrong address as they had my old address and had my new one as a mailing address but she would fix but I needed to send a written request along with a copy of my ID yet again, this was their fault not mine so I Did as they asked after complaining about it. The account was In review to even be opened for a month I would have thought this was already addressed since it took so long to even open. They resend debit card to me to correct address and the day after I activate card IM told my account in restricted. I call in and am told they again need another copy of my drivers license, SS Card and I explained all provided before and they say they cant see. So I upload info and call, to my surprise I'm told more info is needed yet again and a photo of myself holding my ID in the photo which I provide. I speak to supervisor who says they appreciate info being sent but need another photo, now they are holding my funds in the account and won't release even though they have verified the check deposited was valid by the bank who issued it. they have had the funds and check for weeks, if it was bad it would have surely been returned by now as its been three plus weeks, they accuse me of not being the person to open the account and are not returning funds in the account and send letter accusing someone of fraudulently opening account in my name and are not holding my Money and won't return it even though they closed my account a week and a Half ago, this is ridiculous and a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received XXXX XXXX XX/XX/2021, CItibank closed my account and i was told that my loan will be returned to XXXX. XXXX has not received the loan till this moment and each time i call the bank i hear the same response. XXXX could not re-issue loan because Citibank did not return the loan 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