vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: TN

Complaint narrative:
On XX/XX/XXXX I sent in a letter for all credit Bureaus to verify all the accounts on my credit report. I received a letter with all accounts verified as accurate from trans union. Once i reviewed my letter of all accounts being verified i notice an account XXXX XXXX XXXX  # XXXX they are not the original creditor And supposedly bought debt. I notice they are reporting a balance of {$1500.00} which it should show {$0.00}. Since transunion did not verified that account correctly but yet stated it was accurate i ask them to deleted it immediately they did not i reach out and they still did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX  Account name : XXXX XXXXXXXX Account Number:XXXX  Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NJ

Complaint narrative:
Experian is reporting a bankruptcy on my credit report, and I've disputed it many times with them. Each time they come back and tell me its verified through either the Bankruptcy court or XXXX  However, pursuit to the FCRA, this is inaccurate reporting. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The fraud charges below were reported to credit card company who state they are unable to stop charges as they state the XXXX XXXX XXXX company pays an extra charge to XXXX to over-ride each new card they send me. The credit card copy could stop the charges, in my opinion if they contacted XXXX XXXX XXXX XXXX XXXX and said there is fraud being committed that needs to be stopped. But they wont do this. 

XX/XX/2023 XXXX XXXX XXXX XXXX TX {$97.00} XX/XX/2023 {$85.00} XX/XX/2023 {$85.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I'm writing to ask you to remove the accounts and data listed below from your consumer report. The following accounts and pieces of information shouldn't be included in my consumer report. This is a clear violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has to be removed from my consumer report right once. Remove these accounts and data right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX : This collection account on my credit file that doesnt belong to me it has the wrong address signature that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This is an additional complaint in regards to my original complaint # XXXX submitted on XX/XX/23. 

The bank had initially taken out double the amount of money from my checking account to pay my credit card account then refused to refund me in a timely manner ( see original complaint XXXX ). After I filed this complaint with you, a few days later they finally replaced the original amount of overpayment to my checking account, although they did not pay me the additional fees that I am still filing for, which are fees for my time having to be on the phone with them for over FIVE hours to fix this, as well as any overdraft and late payment fees they would have charged me had the shoes been on the other foot. 

NOW, Friday XX/XX/XXXX, they finally contact me by leaving a voicemail this morning from their " Protection Department '', saying that they are ( just now ) responding to them accidentally taking out the extra money from my checking account. So, their action that they have taken is that they have placed a restriction on my checking account! So, now I can't access any of my money in my checking account! 

I called them back at the same department as soon as I could, but a different person who answered said that they can't help me and transferred me to their Regulatory Complaint department ( the department who is handling my complaint I filed with you ). I got her voicemail and left a message. 

This person from the regulatory complaint department just called me at XXXX ( my time, XXXX ) and left me a voicemail. I tried to call her right back, but it turns out she only works until XXXX XXXX ( my time XXXX ) so her phone was already automatically directed to her voicemail. She won't be back in until Monday, so now I am cut off from accessing any of my money in my checking account for 3 days until I can get this fixed on Monday! 

This is downright harassment for me filing a complaint with you. There was absolutely no reason for them to put a temporary restriction on my account. They did not overpay me any money from their initial error. Now they're saying that I can't access my own money until I contact them, 3 days from now??? 

I'd like to amend my initial # XXXX complaint 's restitution demands and add additional fees for them preventing me from accessing my own money for XXXX days, and charge them interest fees for the amount of time it takes for me to regain access to my money, as well as a {$150.00} harassment charge per day that they do not remove any restrictions from my account. 

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 monetary relief
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
They are reporting inquiries that do not belong to me or that I have never applied for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12 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 have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : XXXX, XXXX, TransUnion. I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, XXXX, XXXX, TransUnion delete this bankruptcy 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 non-monetary relief
Consumer complaint received 2023-05-12 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I followed an online promotion from Truist for a {$400.00} bonus for opening a personal checking account. I completed this online and then set up online access. Their system submitted trial deposits to my current bank, which we submitted successfully. 

One day later, I attempted to verify the trial deposit amounts and was told my account was blocked for fraud. There are zero transactions, not even an opening deposit on this account. I was on the phone several times speaking to overseas reps who continued to say either the account was blocked or closed, but I never got a consistent answer. 

The six phone transfers were always to the wrong department ; at one point, I was sent to the XXXX XXXX XXXX. ( Please see recordings attached ) Accordingly to other individual comments/reviews online, Truist is doing this to combat paying the {$400.00} account opening bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CBC Companies, Inc.
State: OH

Complaint narrative:
Innovis responded to a previous complaint submitted regarding a XXXX account with investigation results for a XXXX account. This shows the lack of proper investigation when XXXX account was originally disputed. I have attached new information to further illustrate how the XXXX account has continued to report inaccurate information further extending the date of removal. Innovis reports that the date of removal will be XXXX, while information reported to the credit bureau XXXX states removal will be XXXX. Which one is it if XXXX is certifying the account information is 100 % correct to each credit bureau? The account should also not report a continuous history after it is charged off. I would like for INNNOVIS to complete a thorough investigation into this account and not mix the account with another and use it as the final investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: MI

Complaint narrative:
There are too many different Addresses on my report it shows creditors red flags filed identity theft no action taken Too many wrong names on my report throws red flag to creditors filed a dispute no action Old hard inquiries are impacting my credit score Tried to get them removed no action Identity Theft file a dispute no resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This complaint is in response to a copy of my most recent consumer reports from XXXX, XXXX, and XXXX. I noticed that PennyMac Loan Services/PennyMac Financial Services are reporting nonpublic financial transactions information on my consumer report. I did not give any of the aforementioned companies written permission to report this information. I want the following account 's transactional information removed from my consumer report immediately. 15 U.S. Code 1681c states no adverse information to be reported on my consumer report. 15 U.S. Code 1681b ( 2 ) states that ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I would like to see the written permission with my wet signature from the companies authorizing them to report this account 's information. 15 U.S. Code 6802 ( b ) - Opt Out, states I have the right to opt out and exercise my right to nondisclosure of my information. 

Pennymac Loan Services , LLC Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: IL

Complaint narrative:
Pursuant to 18 USC 8 i owe no debt this company XXXX XXXX XXXX XXXX is violating my consumer rights to privacy pursuant 15 USC 1681b ( 2 ) company has no permission to report anything using my information pursuant to 15 USC 1681c ( a ) 4 - 15 USC 1681e ( b ) accuracy of report- FDCPA ( 807 ) 8 notice of dispute I responded twice to company to provide me with original application no reply! disputed with credit reporting agency Experian they claimed verified date XX/XX/2023 - How is this? Attached below are certified mail receipts and correspondence 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 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates LLC is send me collection papers representing themselves as XXXX XXXX XXXX XXXX. They have yet yo prove I owe the debt, but they are sending letters from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: DE

Complaint narrative:
An amount has been recorded as in collection which is not mine. The amount of {$770.00} is shown as my debt to XXXX that is in collection as of XX/XX/2023. I have tried to correct this online without success. In the meantime, my credit score has been lowered to reflect a delinquent account. This is negatively effecting my ability to get loans.

Company response to consumer: Closed with explanation