vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX claims they received the following inaccurate information from XXXX which has caused me not to secure housing and has rendered me homeless. I have not given XXXX of anyone consent to share any information regarding me or my credit history. 

The following information is what XXXX reported. below :. 
Your XXXX credit score : SCORE DATE : XX/XX/ XXXX scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
AMRENT, INC claims they received the following inaccurate information from XXXX which has caused me not to secure housing and has rendered me homeless. I have not given XXXX of anyone consent to share any information regarding me or my credit history. 

The following information is what XXXX reported. below :. 
Your XXXX credit score : SCORE DATE : XX/XX/ XXXX scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I walked into a branch to open a business account today. I was told by XXXX XXXX XXXX XXXX XXXX that there is confirmed fraud on my account and that it was scheduled to be closed, and I would was not welcome to open any accounts in the future. 

After calling the fraud department they said they had no clue what I was talking about and there was no fraudulent activity detected on my account at this time. 

At this point someone is guilty of induction of fraud by giving me false statements. I have not even received a debit card so there is no way that there is any activity on my account, let alone some confirmed fraudulent activity as XXXX XXXX stated. 

I feel that Truist Bank is harassing me with discriminating treatment. Its not fair that I cant have an account but other people can. Its also not fair that they are saying that my account is fraudulent when its not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Santander Consumer USA has reported a charge off on my credit report. It is illegal to post income on a consumer report a charge off according to the IRS it is income the company has to file a XXXX and they never sent me a copy of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: PA

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. 

XXXX Bank Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 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 the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. Account 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 2022-11-21 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: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I have fraudulent accounts on my consumer 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 non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Greetings, I have submitted my billing error dispute with Comenity Capital Bank to the address on the monthly statement I was sent as they requested via certified mail. Ive called several times requesting an update and also emailed their message center as one of their colleagues suggested. No one seems to know what Im talking about. I asked to be transferred to the dispute department only to find out there isnt one. I was then transferred to a pleasant young lady by the name of XXXX. She stated Comenity policy states it has up to 60 days to respond. I asked where was she reading from because thats not what is states on the papers I received from BJs. I ask that you contact XXXX/Comenity Bank to resolve my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My wallet was stolen and my Navy Federal debit card was used on many different Bitcoin sites. Totaling the amount of {$490.00}. I filed a claim and for some reason it was instantly denied. Later I came to find out that the representative who filed my claim never stated that my wallet was stolen and I did not have my debit card anymore. I am now out of {$490.00} and Navy Federal wont help me with the unauthorized charges on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/2022, I spoke with an account specialist by the name of " XXXX ''. I spoke with this individual on the phone a few days prior. Each time I spoke with this individual, the conversation became more and more cringeworthy. XXXX continued to brag about his success at AES while mentioning he worked there for 11 years numerous times. He also went as far as to argue with me about controversial topics related to the message that AES/PHEAA chooses to leave up on the aessuccess site despite a Federal Judge blocking this from being legal at the present time. XXXX presumed that the message being left up there is beyond his paygrade AND MINE, which I find extremely inappropriate. He then proceeded to claim that in the " 11 years that I've worked here '', maybe only 2 times has misreporting been done where a borrower made a payment at the very last minute causing the misreporting to happen, where he then claimed it was fixed immediately. This is in contradiction to what the previous response in a CFPB complaint was where the responder said they would accurately report to the Credit Bureaus. The fact remains that if XXXX claims this has happened in the past where it would get reported inaccurately, then in no way should people be definitively saying it's reported accurately. Additionally, the responders are also pushing borrowers to make payments " soon '' in what appears to be because it takes them up to 2 business days to process a payment. AES/PHEAA posting the effective date is fine, but they do this once everything is all said and done which may overlap the date when the report is made to the credit bureaus. It seems as though each of their departments have bad communication if they can not even look at borrower accounts to determine if a payment is pending. If they could see that, they shouldn't be reporting anything as being delinquent because it is only delinquent in those days following the scheduled payment due to their timing. 

I had the AES/PHEAA Agent XXXX submit a complaint against XXXX because I didn't appreciate the level of arrogance he had when I asked questions. Instead of him trying to level with me in answering, his responses became more and more confusing, and then when I wasn't understanding his responses, his tone became more hostile and it was as if he did not care how I felt at that point. 

This is the type of customer service that AES/PHEAA should be looking to get rid of once and for all. This is not what borrowers should have to put up with at the end of the day. Borrowers aren't getting paid to deal with this type of absurdity, but these Agents are getting paid to act this way. Frankly, AES/PHEAA should not be just hiring people who want to argue with borrowers. They should be looking into the concerns that are brought forward instead of trying to argue and be unprofessional throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TX

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 XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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 2022-11-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I have fraudulent accounts on my consumer 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 non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I have fraudulent accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Syncapay, Inc
State: OH

Complaint narrative:
I currently have a total of four ( 4 ) virtual prepaid XXXXXXXX XXXX on a digital wallet, and the only cards I am able to add to this digital wallet are from XXXX XXXX who provide me a " token '' /code to redeem the virtual card provided. 

On Monday, XX/XX/XXXX, I used one of the four cards in this wallet to make a purchase for a cellphone at XXXX by XXXX. The order DID NOT process and the pre-authorization hold was immediately released by the merchant. This is evident by the fact, when I call the customer service number to hear the transactions on the card, it states : " An adjustment of XXXX was made on XX/XX/XXXX '' For whatever reason, I am not able to view my transactions online as I should be able to and I have brought that to the attention of customer service. I am also NOT ABLE to add the card to my XXXXXXXX XXXX digital wallet as the FAQ 's state I am able to do. That issue I brought that to the attention of customer service over three ( 3 ) weeks ago and still have not received any resolution or explanation as to WHY I am not able to do so.

Being I am NOT able to view my transactions online as I should be able to, the only way I can determine what is and is not posted to my account is by listening to the automated system. 

My issue is the adjustment of {$81.00} on XX/XX/XXXX. Whenever I have contacted customer service via telephone, or online chat, I am told it is a pre-authorization hold still, which, is NOT TURE. If there is a pending transactions on the card, the automated system DOES NOT mention it. If there has been a refund it states adjustment, and if there is a completed purchase it say purchase. 

I have asked to speak to a supervisor and EVERYTIME regardless of the time, NO SUPERVISORS are available. XXXX has stated to me on the phone and via email the pre authorization hold was immediately released because of the technical error. I want/need to have the funds released. 

Customer service has told me everything but the truth from, well because it is a XXXX it can take 60 days to be credited back to the account, when I have had other purchased refunded and the automated systems states the date of the purchase and the date of the adjustment. Ironically there is no PURCHASE of the XXXX transaction that I am complaining about and want access to the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc
State: CA

Complaint narrative:
Provider is refusing to let me withdraw from my accounts with them. 
Requests for transfer of funds to different organization have not been executed since XXXX and still show as pending. 
Tried calling provider multiple times, and file support tickets online, since the week of XXXX, but no reply and no support answering any calls. 
Provider is BlockFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to dispute with all 3 Credit Bureaus ( XXXX, Transunion and XXXX ) to remove these unauthorized inquiries and was unsuccessful. 

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 explanation
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
I tried to dispute with all 3 Credit Bureaus ( Experian, XXXX and XXXX ) to remove these unauthorized inquiries and was unsuccessful. 

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