vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX Bank ignoring to speak to me regarding error made on their side in reference to monies paid incorrectly for our flood insurance.

I have made 7 calls to the bank and the supervisor and or manger has refused to speak to me to fix this issue. 

We pay our flood insurance through our HOA and the HOA pays our bill for the flood insurance. We sent a confirmation of the payment and the declaration page to the bank and the bank issued another check to the insurance company in error. Now the Bank wants us to pay bank the escrow monies used in this payment, when the payment should have never been paid. 

The bank is Truist Bank and I have had nothing but trouble since the merger between SunTrust and XXXX XXXX XXXX. Consumers should be aware of the horrible customer service with Truist.

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 2022-04-07 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of fraud and the account in question is not mines. 

Chex systems  : XXXX/account # : XXXX Amount : XXXX Date : XX/XX/2017

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 2022-04-06 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: NC

Complaint narrative:
I contacted Transunion via usps and phone about my XXXX XXXX XXXX account. I have asked them to verify this account and the notify me that it has been verified. There is no way this is my account. Just because some has similar information does not make this my dept.

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 2022-04-06 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms Unknown Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct?

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 2022-04-06 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms Unknown Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Associates, Inc.
State: CA

Complaint narrative:
I have 2 XXXX XXXX from the same XXXX entity, XXXX XXXX. The first one is for a XXXX XXXX XXXXXXXX they charged me for that is covered 100 % by my insurance. I received the XXXX XXXX in XX/XX/XXXX. Someone in their office miscoded it as just an injectable and not a XXXX XXXX XXXX so they are charging me {$140.00} when it should be 100 % covered. They are also trying to charge me for the office visit for that shot, which is also covered under the free birth control benefit I have. 

The second charge is for a {$25.00} office visit in XX/XX/XXXX that was actually just a phone call giving me the results of a scan I had. Not only are virtual/phone appointments free under my insurance plan, this also happened during COVID so I was forced to have a phone appointment because I was not allowed to go into their office. I have never heard of being charged to get told your test results. 

I have contacted the debt collector and it took him over 3 months to get a response to me and basically all he said is that the creditor says the debt is valid. There was ZERO research done into my insurance benefits and that these are covered items. They just simply said the amount is owed. I do not feel it is fair to have my credit effected over something I should have never been billed for in the first place. I have been trying to resolve one of these for almost 2 years now, and was ignored until it went into collections. Now the debt collector wont help me any further even though I can prove that I am not supposed to be charged for what they billed me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: IN

Complaint narrative:
On XX/XX/2022 XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2022-04-06 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: MS

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 XXXX : 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 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted XXXX, XXXX and XXXX about fraudulent information being reported on my reports and submitted disputes for all accounts that were in question. I also reported that my personal information was compromised and needed it to be 100 % accurate due to ID theft that happened in XXXX and also again in XXXX. On XX/XX/XXXX I received an updated copy of my report with some of my request granted concerning my personal information but none of the closed or collection accounts were properly verified. At that I time I requested for a second time to have 100 % account verification and on XX/XX/XXXX my report was updated once again as verified but my request to have proof of the method of verification according to the FCRA section 609, section 605 and section 623 that I have the right to have all data, every notation, dates and balances validated 100 % accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated the law.

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 2022-04-06 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:
ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.

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 2022-04-06 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: GA

Complaint narrative:
ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope all is well.. 

I have went online to Experian unfreeze on the website and I have even mailed a certified letter to Experian with all my information they needed to unfreeze my report and Experian still has my credit report froze this has been happening for a very long time, I need it unfrozen for it to be able to be accessed for something, for a company. I need my credit unfreeze for the whole month of XXXX as stated in my certified letter. Please unfreeze Experian I have asked several times and they keep saying its unfrozen but its honestly not. Please look in to this, something isnt right. Thank you very much for your time. Have a wonderful day and please continue to be safe.

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 2022-04-06 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: MS

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 XXXX : 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 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LJ Ross Associates , Inc. for committing identity theft. I have never given LJ Ross Associates XXXX Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( XXXX ). 
I have never received any documentation requesting validation from LJ Ross Associates , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( XXXX ) which the FTC defines as debt parking. If LJ Ross Associates , Inc. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LJ Ross Associates , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LJ Ross Associates , Inc. continues its collection efforts, I will file for litigation for actual damages caused and LJ Ross Associates , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have XXXX accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this XXXX discrimination none-sense because I am no fool when it comes to XXXX in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.

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 2022-04-06 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: CA

Complaint narrative:
When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, XXXX, and Transunion in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as Experian, XXXX, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.

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 2022-04-06 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: IN

Complaint narrative:
On XX/XX/2022, XXXX, XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IN

Complaint narrative:
On XX/XX/2022, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NETWORK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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