vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/ I accidentally used my Truist credit card to with draw {$100.00}. I meant to use my debit card at the Truist ATM. So I saw on my bank app that I accrued a {$0.00} penalty. I paid the {$100.00} on XXXX The next statement XXXX had an additional XXXX fee. Which I paid XX/XX/2023. However I did call to inquire after getting the {$0.00} charge in XXXX they said it was an interest charge. But the statement indicated it was a fee. Then XXXX statement I had another {$0.00} fee. I called again XX/XX/2023. She said the interest rate was 30.2 % on cash advances. I asked her to clarify this. She said I owed {$30.00} on the {$100.00}, despite the fact I paid it off within 3 days. They said I was still paying interest fee against the cash advance. Even though the statements indicated that I paid everything off in full. The manager couldnt explain to me how many more times I would be getting XXXX monthly fees. She said she would send me the supporting documentation that what Truist is doing is in the contract. She offered to try to get one month {$0.00} fee waived but that is all she could do.

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
I noticed 3 unauthorized ATM withdrawals on my debit card adding up to over {$800.00}. I disputed the charges to the company, stating that I noticed my card was missing. The company refused to refund the charges because a card was present for the transactions, even though the card was no longer in my possession. I requested the bank get my the information of what exact store code the card was used at so I could contact the specific store to get video footage, they also declined. They refused to work with me further on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: MD

Complaint narrative:
15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-28 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: MD

Complaint narrative:
15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies that I have discovered on my credit report, specifically in relation to the information provided by your bureau. I have attached documentation highlighting the errors and discrepancies that I have identified. 

Firstly, I would like to address the issue of the incorrect date of the account 's opening that is being reported across all three credit bureaus. 

Furthermore, I would like to draw your attention to the discrepancies regarding late payment information. As indicated in the attached documentation, there are variations in the reported months for the late payments on the account. This inconsistency not only misrepresents my payment history but also violates the Fair Credit Reporting Act, which mandates accurate and complete reporting of consumer information.According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and integrity of the information they report about consumers. Inaccurate information, such as the aforementioned errors, can have severe repercussions on my ability to access credit on fair terms and can potentially damage my financial reputation.

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 2023-08-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On the months, of XXXX XXXX and XXXX of year XXXX I sent over a verification letter to Experian and XXXX XXXX XXXX. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not 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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After sending repeated request from Trans Union the description of thier investigation along with thier method of verification via certified mail on the two disputed old accounts from the 3rd party debt collectors ; XXXX XXXX XXXX accnts 1 ) XXXX and 2. ) XXXXThey failed to send the information and just sent me a letter saying the accounts were accurate. I called Trans Union and spoke with a supervisor who told me Trans Union DO NOT conduct investigations and thats the Collection agency 's responsibility. They only submit the info given to them. The supervisor was not in the U.S.A and WAS NOT familiar with any U.S LAWS governed by the CFPB, FTC or any other U.S. government Agency.! Consumer Reporting Agengies have assumed a vital role and have a grave responsibility to report Consumer information to the best of thier ability with Maximun Accuracy. According to the Law " 15 U.S. Code 1681-i " Trans Union is clearly in Violation of the Law. The supervisor assured me that the 3rd Party Debt collector are the ones responsible for investigating the debt that they report and they can only give consumers the info thats given to them by the debt collector. This is not only violating Federal Law, but there's no way a fair / accurate investigation can be conducted if done by the 3rd party debt collector with very little information on a brought and sold debt.

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 2023-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
I received a bill for XX/XX/2023 student loan payment for private student loans held by Aspire Servicing. I paid the amount due on XX/XX/XXXX and specified the amount to be applied to each loan. I looked at my account and the payment was not applied to specified loans so I made another payment on XX/XX/XXXX and again specified the specific loans for payment. Aspire applied my payments to loans they no longer owned. My co-signers received a letter on August 28th that I was in default on my loans. However, I had made the payment twice for XXXX. I called and they said they would get the amounts paid moved towards the specified loans but will not send a letter to my loan co-signers that the original letter was sent in error. If I had not called, I would have received late fees and a report to the credit bureau. This has damaged the trust between my co-signers and myself.

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 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I, XXXX XXXX, previously requested that US BKPT CT AL XXXX be removed from acct as this is fraudulent activity. I originally disputed this claim and Transunion stated that this was verified.They did not provide the means of this verification. 

I took it upon myself to reach out to the US Bankruptcy where they advised that this is not reporting by them and I have provided the documents that were sent to me for proof. 

This is a fradulent as in my previous request they stated that they verified this information and can not tell me who they verified this information with. 

US BKPT CT AL XXXX REF : XXXX Tranunion has continuously defamed my character. I wrote this company to remove this account on XX/XX/2023 and they sent correspondence back stating that this information was verified. I reached out to the bankruptcy court of my region and they stated that they do not report to any credit reporting agencies what so ever that this information may have been provided by a third party XXXX but NOT the bankruptcy court. That means that this company lied and said that this information was verified by the US BANKRUPTCY COURT AND I have proof that it was not. They are also reporting the US BANKRUPTCY COURT AS furnishers which is again not true because the documentation attached is showing that these people do not report this information. This continuous reporting is causing stress and humiliation. I have attached that lettering for your viewing. At this time this continued reporting of my personal information without my consent is causing grave harm to my credit standing. I am stressed that I am not able to obtain housing, cars, or credit card to support my family at this time. They are misreporting my hardship for their companies financial gain. This is causing me to have to pay higher interest rates they I can not afford.

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 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding a serious error in the loan discharge process related to my account. I recently received a loan discharge letter dated XX/XX/2023 to my account inbox which states that my loan has been discharged. When talking to a customer service agent about next steps she told me this letter was sent in error and meant for someone else. This erroneous information has caused me significant distress. I have repeatedly been given misleading information which is negatively impacting my loan forgiveness/discharge. 

The incorrect discharge information in the letter has led to unnecessary XXXX and I am deeply concerned about the accuracy of my account information. 

I would appreciate a written explanation for the error and a timeline for when the issue will be resolved. I can provide copies of relevant documentation, including copies of the loan discharge letter sent to me. Should you require any additional information or clarification, please do not hesitate to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: CA

Complaint narrative:
My car has been repossessed with no police reports on file and after I have paid them for get a release of my car the company that has been hired for towing is hard to reach and I cant get ahold of them and the loss prevention company kept giving me the run around with wrong phone number, disinformation and lies. My car is still being help after submitting payment with no contact with the tow company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DriveTime
State: OH

Complaint narrative:
The debt was sold from drive time which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was XXXX XXXX XXXX. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me 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
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XXXX XXXX XXXX XXXX XXXX XXXX  ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed 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 2023-08-29 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2023-08-28 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To Whom It May Concern : You are in violation Fair Credit Reporting Act ( FCRA ), [ 15 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report on XX/XX/XXXX without my authorization or a Permissible Purpose under 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for Permissible Purpose.

A Person shall not use or obtain a consumer report for any purpose unless ; 1. The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The Purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) 5 of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.

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