vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My loan was originated at an auto dealer and Suntrust was the recipient. Had I known this I would have stopped as Suntrust is a nightmare for vehicle financing. Now that they have merged with BB & T to create Truist ( pronounced trustless ) they have forced me to re-register my online banking to pay my bill. This requires my full account number which they star out partially on all correspondence, also not my original loan number. When I call it's endless waiting of over an hour to speak with an incompetent human being. They are now stating that my loan is XXXX month past due ( it's not I paid the XXXX payment ) and this concerns me as Suntrust has a habit of repossessing vehicles that are 30 days past due. The merger of Suntrust and BB & T was a huge mistake and should not have been allowed. This has put my transportation in jeopardy and could cost me my job. I now have to hide my vehicle for fear it might be repossessed incorrectly and I can not afford tow and impound 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
Consumer complaint received 2022-03-02 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 — Investigation took more than 30 days
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Issue with Flagstar Bank / HELOC Account. 
Regarding alleged late payment from back in XXXX of 2018. 
I have never missed a payment or been late with this loan. I even provided copies of my bank statements proving that the payment was made on time to Flagstar Bank however, they continue to report the account as being one month as late in XX/XX/2018. Please feel free to review my full credit history as I have never been late or missed any payments with any of my accounts.

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 2022-03-02 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2022 I filed a complaint about Wells Fargo violating the Fair Credit Reporting Act. They are reporting a XXXX XXXX XXXX derogatory account under my social security number. I have repeatedly tried to have them correct this error to no avail. They are claiming they can't verify my identity as if my social security number, name, and date of birth isn't enough. 

They are in blatant violation of my consumer rights, and I am demanding they rectify this issue. I'm attaching a copy of my credit report, showing the listing of this account on my credit. As well as my government issued social security card, and my state issued Driver 's license.

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 2022-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX BANK 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX 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

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 2022-03-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX 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

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arco Collection Services LLC
State: TN

Complaint narrative:
Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with Arco Collections ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to XXXX XXXX being late 30 days. 
The monthly payment on the loan was 280.00. The loan was being paid.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-02 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: GOLDMAN SACHS BANK USA
State: ND

Complaint narrative:
In the past year, I have received two notifications from large financial institutions, XXXX and Marcus : by Goldman Sachs, that they were unable to approve my loan applications because my credit information had been blocked by the reporting companies, XXXX, XXXX, XXXX, etc. Thank goodness for that! I did not request any loans, and am very happy that my information is frozen. I notified Marcus who said the request had come through XXXX. I called XXXX and they had no information that a loan had been requested through them, and suggested that it may have been initiated through Marcus. Standard passing of the proverbial buck. I understand that this is a risk in our banking system, and thankfully there are remedies such as credit freeze. I just hope the hackers don't break through the security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Issue with XXXX Bank / HELOC Account. 
Regarding alleged late payment from back in XXXX of 2018. 
I have never missed a payment or been late with this loan. I even provided copies of my bank statements proving that the payment was made on time to XXXX Bank however, they continue to report the account as being one month as late in XX/XX/2018. Please feel free to review my full credit history as I have never been late or missed any payments with any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, XXXX Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX  Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Equifax to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is violating the united states codes and should delete these items off of my consumer report or face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I sent {$500.00} on western union. I paid the cash in person at a local western union retailer. Then I was told it was on hold for no reason whatsoever, so I said I want a refund. They said they will refund me after 1 business day. It has been a week and no feedback whatsoever on the refund. Each day that went by, I called 3 times a day. Each call, they always end up hanging the phone or either transferring my call to someone else who will also hang up on the phone. I tried my best to do what I can but they do no want to cooperate at all. I am suspecting this is how Western Union are scamming their customers. So they can end up stealing the unclaimed funds. For whatever reason, I need my money back and I am not going to stop until I get my money back even if it takes a life time. I will pledge my entire life exposing Western Union until I get the money they stole from me. This is daylight robbery and I will not allow it. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TN

Complaint narrative:
XXXX XXXX XXXX, a debt collector company is refusing to investigate an account that is on my credit report inaccurately. I have tried to dispute this account with transunion and they are also failing to research the account correctly. The company is providing me with an alleged contract not signed by me, which also has a social security number on it that does not belong to me. I am attaching a copy of the invalid contract and also my social security number which shows that this account does not belong to me. There is also a fraud alert on my account due to me being a victim of identity theft not once but twice. I filed a police report regarding this issue, however that was years ago and I no longer have the report to attach to this. With this information, I would think that the credit bureaus and collection agencies would do a thorough investigation before assuming a debt is valid. The original creditor and everyone involved failed to do their jobs correctly.

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 2022-03-02 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I disputed these medical collections account with all 3 credit bureaus, XXXX, XXXX and Experian, after their investigation XXXX and XXXX deleted this account and found that it wasn't verifiable account # XXXX from Company XXXX XXXX XXXX XXXX but Experian found it to be verified and other lies the problem, how did Experian verify this account without breaking the HIPPA law and my rights, I demand another investigation on what methods and documents and person did XXXX XXXX Agency use to verify this account, and if they violated my HIPPA rights to obtain my medical records without my written consent and prove that this account belongs to me, and all balances, dates, are 100 % correct and my name and address and phone number XXXX is correct according to the Identification documents I attached to this complaint or I will take legal action against all parties involved, Thank you for your time.

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 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To whom it may concern The following companies are listed on my credit report and I have never received the following items such as 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance LVNV FUNDING LLC {$150.00} XXXX XXXX  {$810.00} XXXX XXXX  {$620.00} I need these items removed from my credit report immediately can you please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.

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 2022-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
bought items with my card and the charges fell off my account and i can not pay my bill that i owe unless it is posted back on my account, for the amount of XXXX,,,, capital one is trying to ruin my credit and i dont want to pay the high interrest that they are trying to make me pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: TN

Complaint narrative:
Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to Republic Finance being late 30 days. 
The monthly payment on the loan was 280.00. The loan was being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank either miss read or received in accurate credit information when choosing to close the credit card, I checked XXXX and it shows my XXXX credit card issues by XXXX XXXX XXXXXXXX as closed with a balance ; however, it has been paid off in full and closed by me. I used the wrong checking account to make a payment and I admit I messed up but they just closed the account despite me making the payments. 

They made no attempt to contact me when the investigated the last CFPB complaint. 

I now have income to pay credit cards off no as well, they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.

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 2022-03-03 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: Aargon Agency, Inc.
State: HI

Complaint narrative:
I disputed these medical collections account with all 3 credit bureaus, XXXX, XXXX and XXXX, after their investigation XXXX and XXXX deleted this account and found that it wasn't verifiable account # XXXX from Company Aargon Collection Agency XXXX but XXXX found it to be verified and other lies the problem, how did XXXX verify this account without breaking the HIPPA law and my rights, I demand another investigation on what methods and documents and person did Aargon Collection Agency use to verify this account, and if they violated my HIPPA rights to obtain my medical records without my written consent and prove that this account belongs to me, and all balances, dates, are 100 % correct and my name and address and phone number XXXX is correct according to the Identification documents I attached to this complaint or I will take legal action against all parties involved, Thank you for your time.

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