vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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 a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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 1681 s-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 their information is inaccurate Someone needs to hold them accountable for this the credit bureau have no respect for the laws.

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 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
they keep denying me then you close it out without me being able to speak as if they are right and i am wrong but they state the XXXX  transaction they made me make was successful they need to provide some documentation showing it was successful because i never received it, and Wells Fargo still owes me XXXX from that transaction cause it did not go through and they ow me from the date they classified it fraud on my account cause which was the date that the XXXX  transaction they admitted was fraud they keep saying the XXXX transactions was done with a pin so it cant be fraud, if they saying that transaction wasn't fraud and it was done with a pin then i need them to explain how these two XXXX transactions were done because from my understanding they were done the same way as the other transaction and that was with a pin if not then please have them show me how they were done cause they were all done the same way .... 
also, i received an email from wf settlements stating they gave me a check and if i didn't receive it to contact them I have been contacting them since they emailed me and will not respond back because I never receive a check from wfsettlements and i need my money since they state they sent me a check but they didn't and they do not want to respond back but I need my money and they are holding it from me...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I received a notice from IC systems in XX/XX/2023 via postal service. 

I responded also via postal service in XX/XX/2023 with the following request : I am writing to dispute this debt as well as inquire of additional information. 

XXXX Dispute XXXX XXXX XXXX last XXXX balance provided to me was XXXX. XXXX credited 15 % as a courtesy and the amount being sought is inaccurate. 

XXXX Dispute validity of debt I am disputing this debt as valid at all. XXXX XXXX recommended our daughter stay in treatment and they and the insurance company were unable to settle. We followed medical advice from XXXX and are being asked to pay for a dispute between XXXX and XXXX XXXX. We dispute this debts as ours. 

XXXX We are asking for a detailed invoice of what makes up this XXXX debt so we can further dispute its validity. Please provide details. 


End of correspondence - I have not received any response from IC systems since my letter in XXXX. This debt was fraudulently charged off without providing the details requested as part of the fair credit reporting act. As I understand, this is illegal and should result in a penalty to IC   systems. 

XXXX contacted me but did not provide the requested detail and nothing came from XXXX who was attempting to collect the alleged 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 explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
The money was sent by the payor, however it never posted to the account. 


All withdrawals had already been made and there was an even balance of {$8.00} at the end of business day on XX/XX/23. The balance is printed on a receipt from the customer service window. The deposit for XX/XX/23 never posted, and it was sent. When this happens the money is delayed, the thief is deciding rather or not they are going to allow the money to be put in the bank or not, and they are stealing whatever was supposed to go to the bank. 

This time it was {$38.00}. With my other bank account, it was much more before I could send a consumer complaint.

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 2023-05-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account has violated my rights. 
15 U.S.C 1618 section 602 A. States I have the rights to privacy.

15 U.S.C 1618 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX contacted my husband about my deck collection. My name is XXXX XXXX. They told my husband the amount of the debt and what I owe with interest and try to make a deal with him to pay a lesser amount. This is not my husbands debt. It was my credit card. they went against the law to talk to my husband about 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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 Account # 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 a 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. 

XXXX reported XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-05-25 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: Nelnet, Inc.
State: CA

Complaint narrative:
Through borrowers defense to repayment my balance was reduced to {$57000.00}. Nelnet hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX Nelnet updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : Account # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Delete this account.

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 2023-05-25 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: GA

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 Number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I recently moved out of a rental property and was contacted by the rental company stating I owed them money for repairs and damage to the property. I gave them a copy of the original lease agreement with all the damage to the property prior to my move-in. The rental company was attempting to charge me for damage that the property already had and bogus charges such as the {$800.00} fee for them to remove dead grass. The rental company was responsible for all the grass and yard maintenance. My backyard and the neighboring backyard had the same grass damage. The rental company sent me notice if I did not pay for the damages they would double to price and I would be turned into a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: RI

Complaint narrative:
On XXXX, 2023 Amerisave charged me, a senior citizen and potential customer, to transfer a XXXX appraisal to XXXX XXXX who requested the transfer. I did not take a loan from either company as my current mortgage is 3.5 % so what I wanted to accomplish was not possible. They charged me instead of XXXX XXXX {$620.00}. Yes. {$620.00}. And it did me no good. I think this is an unreasonable and greedy charge for a senior citizen who is struggling to pay bills. 
Second - Again Amerisave put their name onto my XXXX XXXX insurance before any final decisions were made. So when the insurance came due in XXXX, Amerisave was billed.. They didnt pay it or inform anyone that they were not the holder of my mortgage. I had to pay the {$460.00}. to avoid cancellation and I am still waiting for my reimbursement from XXXX. This is XX/XX/XXXX. 
I think Amerisave overcharges and is greedy. They possibly take advantage of senior citizens. They do not let anyone know the status of an account or past application in order to make simple procedures easier. XXXX XXXX never added their name as the holder of my mortgage while I was dealing with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-05-25 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: IL

Complaint narrative:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-25 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:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Dear CFPB : I am writing to you concerning a major problem Ive had with the bank I use, Truist. Originally the bank was Suntrust, which last year merged with BB & T and became Truist.

In Suntrust I had personal checking, savings, business and money market accounts, a CD + two credit cards. The bank was easy to work with. Once it became Truist its been impossible. 

On XX/XX/XXXX I had emergency XXXX, was in the hospital for 10 days, had XXXX  XXXX XXXX   throughout the summer, two more times in the hospital, another XXXX in XXXX and recovery through all of fall. 

One credit card was due on the first of the month and the other on the seventh. Being in the hospital in XXXX I knew I was late on the payments and after I got out I called XXXX to pay the bills and explain why they were late. The man I spoke to suggested joining a program they had to pay your cards and it lowered the interest down to 3 % called the Work Out Plan. It wasnt explained well and said he would send the information and kept asking me to join it. Not feeling well or understanding this plan, I agreed to join since the interest was so low. 

I opened the XXXX website to look up the Work Out Plan and there was nothing about it. The plan set me up with paying {$83.00} per card each month. I was skeptical. Who was I paying {$83.00} per card to? 

I received a letter from XXXX dated XX/XX/XXXX telling me they closed a credit card with the last 4 digits of XXXX I didnt recognize. In calling the number on the letter many times someone finally found that the number was from XXXX. 

I received another letter from Truist about their closing another credit card with the last four digits of XXXX I didnt recognize and that one was also an old card from XXXX. 

Although this lowered the interest rate it lowered my credit score from XXXX to XXXX in XXXX XXXX and in the upper XXXX in XXXX. I contacted Truist by phone + went to one of the branches many times the get out of this, but I kept being told that once you sign up for this you can not get out of it. 

I filed complaints to XXXX, XXXX, XXXX XXXX and the Attorney General of the Commonwealth of Virginia who told me to contact CFPD.

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