vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX  XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX  XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXXXXXX XXXX  Account # : XXXX 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 2022-09-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1XXXX XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXX XXXX  Account # : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, Truist Bank received a check the amount of {$1300.00} and return the check back to the Mortgage bank without placing my overdraft protection in place. Truist Bank didnt give me an opportunity to see the check in the bank, Truist Bank didnt place my overdraft protection in place and give me by the end of day to to transfer the remaining balance to cover the check before they sent the the check back. On XX/XX/2022. It was {$800.00} in the account. Instead the Truist Bank turned my overdraft protection off turned my email notification off and sent the Check back to the Mortgage Company then sent a notice of overdraft letter to my address a week later after the XX/XX/2022. 
For years Ive been with Suntrust and never had a problem with Overdraft Item because of the Overdraft Protection protected my account and always gave me opportunity to put the remaining balance back into my account. I can show my bank statements that will show my overdraft items and how by the end of the day I deposit the negative amount into my account to make the account positive. If the Truist Bank wanted to do any changes to my account I they should of contacted me by letter or email and gave me opportunity to decide. Truist Bank did not do nether. As a consumer I should be protected against unfair bank 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 2022-09-19 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
2 fraudulent charges were made on my credit card. I didn't make the purchases. In XXXX, XXXX I received a bill. I knew the charges were not made by me. I called the company and reported to the fraud department. They opened an investigation XX/XX/XXXX. I continue to receive calls from Comenity Bank collections ( weekly ). I explained charges are not mine and a fraud investigation is open.. I called fraud department back XX/XX/XXXX. Still not complete on investigation. I continue to receive calls from XXXX XXXX I've spent at minimum 5hours on the phone for this situation. 
Please help me. I need the harassing calls of collections to stop, I've never used this card, I should owe {$0.00} and I had the account closed immediately upon seeing the fraud charges early in XXXX. I am concerned this will be sent to collections, and I have not made any purchases on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-19 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2022-09-19 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 2022-09-19 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: FL

Complaint narrative:
Equifax is still reporting inaccurate information on my credit report. XXXX and XXXX has already removed this account from my report. This account was in litigation due to deception and predatory lending practices. On XX/XX/XXXX XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/XXXX Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter that they already received. 

Under 15 U.S.C. 1681s-2 ( b ), which requires a creditor who has been notified by a [ CRA ] that a consumer has disputed information furnished by that creditor to investigate the dispute, `report the results of the investigation to the consumer reporting agency, ' and, if any information was inaccurate, report the results of the investigation to the other CRAs. Johnson v. MBNA Am. Bank, NA, 357 F.3d 426, 429-30 ( 4th Cir. XXXX ) ( quoting 15 U.S.C. 1681s-2 ( b ) ). 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report which 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.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive called several times to get my address added to my credit report so my credit score can be updated. Theyve been giving me the run around making me wait 72 hours for the address to be updated and when I call still no update. Another agent repeats the process over and I have to wait another 72 hours

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 2022-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a car loan with SunTrust Bank. The payment was made each month automatically by XXXX XXXX. Suntrust Bank was purchased by BB & T Bank and the new bank, Truist, did not accept the electronic transfer of the funds for the car payment. XXXX has to mail a paper check to Truist XXXX month. In XXXX I was notified by Truist that the car payment had not been paid the previous month. I contacted XXXX and I was told that the car payment had been sent 4 weeks eariler, but the check was never cashed. I contacted Truist and I was told I needed to authorize an immediate debit from my checking account, to pay the past due payment, and I was told to have XXXX Bank issue a " stop payment '' on the missing check. I did exectly as they asked and the payment was debited from my XXXX account. Evidently, later the same day, Truist located the missing check and discovered a " stop payment '' order was issued on that check. Trusit then charged me a {$25.00} fee for the " stop payment '' even though that is exactly what they had told me to do. When I asked for the fee to be waived, I ws told that only a supervisor could do that. When I asked to speak to a supervisor, I was told that was not allowed. I then asked for someone from Truist to contact me. I have never been contacted, and the fee has not been waived.

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 2022-09-19 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: TX

Complaint narrative:
The collection from XXXX XXXX XXXX XXXX  number XXXX - amount of {$4600.00} has not been verified, is being reported to two different credit reports, have not been given noticed about who owns the account/collection, nor has given evidence of authorization to be added to 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 2022-09-19 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: FL

Complaint narrative:
I received a copy of my credit report and found the following error still remaining on my report. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes TransUnion Credit bureau is currently still reporting XXXX XXXX XXXX - XXXX an inaccurate account on my report, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. TransUnion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

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 2022-09-19 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: NY

Complaint narrative:
unauthorized activity reporting on my credit report on XX/XX/2022 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 2022-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brock & Scott, PLLC
State: SC

Complaint narrative:
On or around XX/XX/2022 I receive a notice from Brock & Scott , PLLC attorney/debt collector trying to collect on a alleged debt. I have never done business with this Brock & Scott , PLLC attorney/debt collector. So I requested that this company verify and validate this alleged debt. On XXXX XXXX Brock & Scott PLLC responded asking me for additional information. As they stated I owe a alleged debt so they should have all the information to prove this debt. Brock & Scott , PLLC is threating to take property that they have no rights nor claim to. I XXXX XXXX a nature person and consumer ask that Brock & Scott cease all communication with me about this alleged debt and to remove my name from your database. I XXXX XXXX refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have had financial difficulties paying my car. I tried making arrangements with American Credit Acceptance. I was told they couldnt help until I was caught back up. I was 3 payments behind. On XX/XX/XXXX at XXXX XXXX my car was picked up. I call today to find out about getting my car back and was told XXXX bought my car back and they could not give me anymore information. I have made all my payments to American Credit Acceptance never to XXXX. I contacted XXXX and was told by one rep they did not have any loan with them. Then was transferred to collections and was told something about a register and transferred to collections. They have never notified me at my address of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XX/XX/2022 XXXX XXXX  XXXX XXXX I broke my lease I was not evicted!! I paid all Utilities before leaving I was in financial hardship so I left .... I will pay for the month of XXXX witch I am responsible for the amount of XXXX but I will not pay XXXX I do have the check showing I paid utilities XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TX

Complaint narrative:
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX Date of inquiry : XX/XX/XXXX I did not authorize this account. 


XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX  XXXX Account Number : XXXX Please investigate and remove it. 

XXXX XXXX Account Number : XXXX I did not authorize this account. 

XXXX Account Number : XXXX Please investigate and remove it.

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I paid off the balance on XX/XX/22. The next billing cycle I got a bill stating I owed interest. I contacted them and they were going to remove the charge. I have just received another statement with late fees. When i called and spoke with someone i was told i owed the interest and late fees.

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