vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Over the past year I have been sending letters and calling Equifax, XXXX, and XXXX about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called XXXX on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXX XXXX  every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXX XXXX  reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: OH

Complaint narrative:
I have a collections account on my file that I have never done business with from XXXX XXXX XXXX # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.

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 2022-06-21 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: OH

Complaint narrative:
I have a collections account on my file that I have never done business with from XXXX XXXX XXXX # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation or character because of my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. 

They also violated my rights under : 15 U.S. Code 1681i section 5. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX- TransUnion XXXX XXXX - Spoke with representative. Representative advised for me to send in a copy of the police report and they would remove from the file. 

Gave information from XXXX XXXX VA police Report including sending the name and report number. 

I sent in a copy of the police report and they have not updated and removed the XXXX XXXX or any subsequent accounts due to identity theft. 

This was mailed to them on XX/XX/2022.

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 2022-06-21 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts 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 2022-06-21 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX. XXXX XXXX  account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX  account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
i deposited two checks on XX/XX/22 in the amounts of {$1900.00} and {$1200.00}. I waited until the checks 'cleared " the bank. They were in pending status until XXXX when the funds were made available to me. On XX/XX/22, I deposited a check in the amount of {$1900.00} via mobile deposit. I again waited until the funds were made available to me. These were checks mailed to me for products I sold. Since the funds were made available in my account, I spent the money. Then on XX/XX/22, these checks bounced and Berkshire Bank took the money from my account. I then made two more mobile deposits on XX/XX/22 for {$1200.00} and {$1800.00}. Again the funds were approved and made available to me. Then on XX/XX/22, the money was taken out of my account because the checks were not good. In all instances, I specifically waited until the money was made available to me prior to spending it thinking these checks were ok. When I contacted Berkshire, they told me that I should have known better not to use the money for a few days. How am I supposed to know not to spend money that is made available in my funds. What is the waiting period? This makes no sense. Once money is made available, I thought the bank made sure these checks were in good order prior to making the money available to me. Now to cover my bills, I had to move money from my savings to cover the money that Berkshire Bank made available to me, then took back. This is not right. Something needs to be done about this. I am out a lot of money and I need it back. This is not my fault that the back did not do a complete check on these funds prior to giving me the money. Any assistance you can offer me would be so much appreciated. Thank you.

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 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I have a collections account on my file that I have never done business with from SUNRISECREDIT SERVICE # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent. I have never had cable service from the listed company nor have I stayed at the address on that 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 explanation
Consumer complaint received 2022-06-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or around XX/XX/2019, I sent a letter to the alleged furnisher XXXX XXXX bankruptcy courthouse asking the clerk do they report bankruptcies to the credit bureaus? I received a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did Transunion credit bureau verify a bankruptcy as 100 % Accurate on my credit report?? TRANSUNION never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Transunion and LCI also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 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 2022-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, since my identity was stolen then stolen again due to Experian/ 2020 data breach ( most recent ). I have had numerous credit cards loans and bank accounts because of this. When trying to reach Experian to resolve this Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues and the online portal don't work ( please see arttached screenshot ). I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, over 7 years, monies etc. on this. Please help 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 2022-06-21 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: FL

Complaint narrative:
Negative accounts were furnished without my consent and in turn took my credit score down which is vital for 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 non-monetary relief
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
Negative accounts were furnished without my consent and in turn took my credit score down which is vital for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GA

Complaint narrative:
Greetings, In accordance with the Fair Credit Reporting act XXXX  following Address, Accounts, and Inquiries below, have 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. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX Accounts : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX - XXXX XXXX XXXX : XXXX - US DEPT OF EDXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX - XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: TX

Complaint narrative:
I already filed a complaint related to an equipment lease from years ago. The complaint was resolved and US Bank said that they accept {$1200.00} as a buyout for the equipment that we accidentally gave to the maintenance company instead of the leasing company at the end of our lease. 

I do not know how we ended up in this contract as it was not signed by an officer of our company. It appeared to be signed close to a decade ago by a regional manger during a time of limited corporate oversight. We continued to honor our supposed commitments under the contract and made payment despite concerns about it's legitimacy. The contract ended and we attempted to return the equipment to the lessor, but mistakenly returned it to a 3rd party that disposed of it. 

I explained that we could not return the equipment to the lessor and they said that they could accept about {$1200.00} for a lease buyout. I expected to receive an invoice for {$1200.00} but instead received one for $ XXXX as if the lease is just going to continue forever.

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 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid or credit my account with negotiable instrument and the company refuse my tinder of payment Affidavit of truth This matters concerning capital one and those representatives Who handles consumer accounts XXXX XXXX account number XXXX When I start using coupons or negotiable Instruments it is not supposed to be refused Ive been sending in tinder for payment and it has not been excepted I also Close my account there was no reason to close my account I did everything that was lawful and under the UC see laws as well as The fair credit act You are being notified that you are breaking the law Also giving you notice that I will be using the negotiable instrument coupon tinder for payment Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm getting public assistance and no other income coming in and also I'm a identity theft victim my purse got stolen with my identification and it was used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Back on XXXX XXXX i received a text message from Suntrust Bank that i have deposited multiple checks using the mobile app on my checking account and that they were going to hold the checks until the following banking day which was monday. I received the text on sunday night. The following day i went to the local branch directly which is XXXX minutes from my home to report fraudulent activities on my account and that the checks deposited and all of the debit card transactions were not mine. The debit card used was for my daughter. i spoke to her and she informed me that she had lost the card and long time ago and was unaware of these charges The checks totaled at least XXXX dollars plus. The debit card was used multiple times by the same person. The bank used my Suntrust Credit Card as a line of credit and charged my XXXX over {$5000.00} plus now and expect me to pay the money back. I provided the bank with police report and they still charging me for fraud and accused me of benefiting from this fraud. This ABSURD. I requested for the bank to do their investigation by providing me with the IP address from the phone that was used to deposit these checks on my daughter 's name. The bank has refused. My lawyer sent letters requesting proof. They have refused. I have the local police department XXXX XXXX who is currently working on this case. He has video footage of a man using the card and the bank still want to charge me for fraud and now my personal credit card is charged, My name has been sent to all XXXX credit reports as delinquent. This situation has caused me XXXX XXXX  and DISTRESS. I can not afford to hire a lawyer and this is the reason why I am asking for help with your agency. I have no where to. My credit is ruined and I can not apply for any loan where I am innocent. The bank also took the little bit of cash i had in my checking account as well to cover fraud charges. I am saddened by this accusation and specially i have nothing to do with the fraud charges. The bank is refusing to provide documents to where I am responsible. PLEASE HELP ME to solve this issue.

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