vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX 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

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 2022-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX we began our pre qualification portion of our FHA loan and we spoke with XXXX XXXX. All required docs were submitted a week later. A couple weeks go by and we heard nothing so we called XXXX and was told the underwriter need us to clear up dome student loan stuff and we did so a few days later we uploaded it to the portal. 2 more weeks go by and no word, email, or phone call. So we called and request a supervisor and noone returned the call. Another week goes by and we called and get into a big argument with XXXX XXXX XXXX XXXX 's manager ) he refused to send any docs so I explained there are laws regarding this and he terminated the call. I began calling twice per week since XX/XX/XXXX demanding answers but we are only getting pushback from corporate and everyone else. On XX/XX/XXXX I spoke XXXX XXXX who. ( On a recorded line ) stated he seen several mistakes and would address them immediately. We never heard anything from him or anyone else. Then today XXXX a XXXX operator sent us some very XXXX texts and phone calls. While I'm speaking to another operator the racially motivated rep is sending threats to our personal cell phones which is a REAL NO NO but she did it and we informed them and they sent us a cease and desist letter go figure. If a customer service rep retaliated against ANY CUSTOMER that's a huge RED FLAG..BEWARE OF THIS COMPANY..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again

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 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: AZ

Complaint narrative:
Tried to call multiple times, unable to get through. Debt is not in mine nor husbands name. Debtors name is similar but not my husbands and address does not match our home address therefore, debt is not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX : Absolute resolutions Open Balance : {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX XXXX XXXX XXXX Open Balance : {$6700.00}

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 non-monetary relief
Consumer complaint received 2022-07-01 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: WI

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXX PUBLIC RECORD : XXXX XXXX  Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX TRANSUNION NAME : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECORD : XXXX  XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank, which issues my NFL Extra Points Visa Card was down for " routine scheduled maintenance '' for at least a week, from on or about XX/XX/2022 until on or about XX/XX/2022. I was finally able to make a payment on XX/XX/2022. This outage caused my account to go 30 days late and a derogatory mark to hit my credit report. When this account was previously with XXXX, I had never had a late payment on my credit report, and I fear this outage, and my inability to make my payment will cause my report score to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Account ( s ) : Account # XXXX Original Debt Collector XXXX XXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a customer of Suntrust Bank, now Truist Bank since XXXX of XXXX Since the merger to Trust, my accounts have been plagued with problems. Listed below are the detailed problems : 1. They keep charging me overdraft fees and returning payments. I had overdraft protection with Suntrust which was linked to all three of my accounts, after the merger they unlinked them. I keep relinking them, but their system keeps unlinking them and thereafter charging me fees and returning payments made to vendors. To date I have been charged over {$1800.00} in fees and this not including fees that were charged to e do to returned payments. I had over {$150000.00} in the bank and they returned small payments and charged me fees. Customer service refuses to remove them, stating that they are not authorized and the hold time to speak with someone is over three hours at times.

2. They keep canceling my debit cards without notice or reason. They state that its a system area, but it keeps happening and its random. After they send me a new card which takes over three weeks to receive, they then cancel the new ones after 4 weeks of usage. I have been locked out of my debit card now for over thirty days.

3. All of my bank statements look distorted after downloading them from the website and several of my lenders would not accept them because they looked like someone had fraudulently altered them. 

XXXX. I had multiple fraudulent payments processed through my account from XXXX, XXXX and XXXXXXXX XXXX. Someone used my checking account to pay the bills on fraudulently opened accounts and Truist allowed it. I asked for a letter stating the transactions were fraudulent and they would not supply it. I asked for a fraud investigation and they asked me to reach out to XXXX. That department could not help me either. 

5. I am being charged analysis fees, and sometimes its over {$300.00} charged to my account. 

The bank has major issues and I am shuddering because of 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 2022-07-01 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 sent letters to Transunion XXXX and XX/XX/XXXX to receive validation of this alleged debt.The account is XXXX XXXX XXXX XXXX XXXX I also filed CFPB Complaint on XX/XX/XXXX # XXXX. Transunion states the debt is valid as a response. As part of FCRA 611 ( a ) ( 2 ) ( B ) I requested to receive all information provided from creditor for the investigation of my dispute.This has gone on for long enough. This account need to be deleted now! Transunion has been ignoring all of my requests. Transunion has continued to violate my rights. The account has NOT been validated it must be removed.

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 2022-07-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep getting denied credit and loans, because of the false and misleading information that is being reporting by the 3 credit bureaus. I start writing and disputing these items online and through the mail since XX/XX/XXXX. While studying my right under the CFPB, I learned that the 3 bureaus pursuant to the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I sent each bureau the same letters, requesting my file. They were discrepancies across the board, a lot of inaccuracies with my name, addresses, creditors, balances, and utilizations. After receiving numerous adverse action reports, they all kept repeating the same information. So, I started auditing and disputing the Accuracy, Fairness, incomplete, and privacy on my credit report. XXXX and TransUnion compiled to my demands and either deleted or changed the adverse marks to the favorable marks that they were supposed to be. The only one that is not following is XXXX, they keep sending correspondence in the mail. Saying that they did an investigation, and everything is right and updated. 

I have written XXXX and they received my letters on XX/XX/XXXX, and XX/XX/XXXX. I've requested that XXXX provide the evidence of the investigation and reinvestigation. To provide Who they called, who they spoke to, names, addresses, and times. I told XXXX in my letters that no one in my family never got a phone call, I, personally never got a phone call. I asked my next-door neighbors, and they were never contacted, so I would like to know who they did the investigation with? Times are hard and I've been denied numerous times this week for loans that would help me and my elderly parents with food, healthcare, and gas to get them around to their appointments. this has brought on a lot of stress, bitterness between me and my spouse and lack of confidence in the government. I have requested the follow from all 3 bureaus and XXXX Is the only bureaus that has not complied. 

Inquires deletions - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Utilization to 3 % - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX LATE PAYMENTS/COLLECTIONS DELETED - XXXX XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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