vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name THD/CBNA Account # XXXX Account Name THD/CBNA Account # XXXX XXXX XXXX XXXX XXXX  XXXX A. States i Have The Right To Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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. 

XXXX XXXX XXXX A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and THD/CBNA has violated them all they sold my information to a XXXX party service XXXX XXXX XXXX XXXX without consent and I am being XXXX and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a XXXX must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.

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 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.

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 2022-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: EQUIFAX, INC.
State: VA

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to contact credit bureaus ( Transunion, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.

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 2022-10-27 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: VA

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 XXXX 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 non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2022 I received and did a standard transfer of money that someone is paying me for photography in the amount of {$500.00}. It said it would take XXXX business days and est day of arrival was XX/XX/2022. On XXXXXXXX XXXX XXXX I noticed that it was still in pending status and no money had dropped. I called and spoke to the bank and was told nothing is coming through. I then called customer service of venmo and was told that it would drop later that night or in the morning. Because his vague response with no explanation I had my XXXX XXXXXXXX call in which he got a gentleman who told him that the funds were in fact held by a federal agency and that he would put in a request to the engineers to have the money release because it was past the day legally they could hold the money. He would not give anymore information. Then I called back later in the evening and spoke with another gentleman who told me that it was in fact a review by venmo, they had a glitch on XX/XX/2022 and that he didn't know when it would be released. Unsatisfied I asked to speak to a manager and that manager in fact told me that it was totally Venmo 's fault they had a issue and that the engineers were trying to find a fix. He said that the money would be released to my bank by XXXX or XXXX the following morning. Now my bank the way all transactions work with venmo is the moment they are released it comes into my bank as a pending status and doesn't release until the XXXX. So at XXXX today I called the bank there is no money in route they can see. I called back Venmo in which I spoke to a gentleman, XXXX and a supervisor XXXX XXXX They said that oh well yes it was a venmo issue and that the money was not released when they said. That as of today sometime the money will be released and I should get it by XXXX XXXX. That is {$500.00} that they are holding and the way the call ended was him saying " there is nothing we can do for you '' The below transaction was never done as it states by venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have requested a copy of my auto lien release through SunTrust Bank, which merged with Truist in XXXX. The loan was paid off in its entirety in the summer of XXXX. I originally contacted Truist through the customer service line to request a copy for the lien release on XX/XX/XXXX and again on XX/XX/XXXX. Both of the Truist representatives informed me they would put in my request. I never heard back or received anything in the mail. I called again on XX/XX/XXXX and was informed by a Truist customer service representative that those requests failed to go through. The Truist representative recommended that I mail or fax my information to the Truist Closed Loans Department. However, the Truist representative would not provide a phone number nor an email. I sent faxes to the Truist Cloan Loan fax number provided to me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I called Truist ( again through the customer service hotline ) and the Truist representative informed me that they could not provide a phone number for Truist Closed Loans and claimed that none of the Truist Closed Loans staff have phones. The Truist representative could not confirm whether the faxes I sent made it to Truist Closed Loans, but informed me it would take XXXX weeks for Truist Closed Loans to process the claim. I have no confirmation that my faxed request ever made it to the Truist Closed Loans Department.

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 2022-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX a XXXX XXXX dated XX/XX/XXXX was delivered to my current home with multiple errors. These errors include amounts paid by XXXX XXXX including too much with overages ( greater than {$2000.00} ) for insurance, incorrect property location including town, township, XXXX XXXX, incorrect tax assessment amounts, incorrect escrow due, and payments for any town taxes were made to XXXX XXXX XXXX XXXX XXXXXXXX XXXX  which is completely incorrect as my home is located in XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. After speaking to the XXXX XXXX tax collector, XXXX XXXX, no payments were received by said XXXX XXXX, and no documentation of tax receipt or payment were received by XXXX XXXX XXXX collector. In addition, I have contact my home insurance company, and they have only received the correct amount of payment based on my policies, yet, the escrow is completely inaccurate and negative thousands of dollars. I have called XXXX XXXX on XXXX occasions- starting first in XX/XX/XXXX, then starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. All calls have been without resolution, XXXX calls to include on XX/XX/XXXX and XX/XX/XXXX were forwarded to voicemails in which do not register with any employee. Not XXXX return call has been received, no return correspondence have been completed by the company, not XXXX issue has been addressed or corrected. Per the escrow analysis received on XX/XX/XXXX the mortgage amount is to increase from the CORRECT {$980.00} per XXXX to {$1400.00} per XXXX due to XXXX XXXX errors on the entire account. Not XXXX associate has connected me with anyone to fix any issues on the account and we are going to lose our home due to not being able to afford this huge increase on the companys behalf based on the companys errors when they incorrectly processed everything. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to contact credit bureaus ( XXXX, Experian ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.

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 2022-10-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2022-10-27 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: OH

Complaint narrative:
XX/XX/2022 I received a message that my dispute was closed by Equifax information Service LCC to my claim first and foremost I have not received any authentication or what step the took for the investigation XXXX. No original validation from the original creditor or XXXX. According to XXXX XXXX XXXX XXXXXXXX ( A ) States I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) it also states a consumer reporting agency can not furnish a account without my written instructions.also XXXX ( c ). ( A ) ( XXXX ) states, no consumer reporting agency may make any report containing any of the following items of information any adverse items of information other than of convection of crimes which antedates the report by more than XXXX XXXX. Also XXXX XXXXXXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the reason knows or has reasonable cause to believe the information is inaccurate. Notice I have file a XXXX Financing Statement and addendum/ a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with XXXX Security Agreement with {>= $1,000,000} total of value collateral in security agreement is XXXX in place I'm preparing a lien on all three credit bureaus for all reporting violations and each violation is XXXX in federal reserve notes or gold or silver coins this is a notice by law you Have XXXX XXXX XXXX to delete all items off my credit report and send me the investigation process and the original contacts from the lenders loan XXXX of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: CA

Complaint narrative:
I am a natural person, I am a living human being, I have USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts 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 2022-10-27 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: VA

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 XXXX 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 2022-10-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
My card has had a XXXX balance since XXXX. Company sent me refund for overpaying towards balance on card in XXXX. Company says they report their account info to credit bureau every month. My credit report still states a XXXX XXXXXXXX balance on the card on multiple credit report agencies as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
This company is fraudulent. I NEVER signed a contract with them, I was not asked for permission for them to report on my credit report and they have yet to supply me with needed information that I requested, yet they continue to malign my name and use my PERSON INFORMATION to lie and try to extort through my credit report. No good.

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