vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I was called repeatedly about a late payment. I was called at XXXX, XXXX, and XXXX. No message was left on any of the calls. The payment was already made this morning. They stated I can only stop the excessive calls by requesting to be added to the do not call list. If I forget to make a payment I definitely would like to be informed but the only option is repeated calls or do not call at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
did not authorized transaction. 
Capital One XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: NY

Complaint narrative:
Applied for unemployment in XXXX of 2023. I was told my XXXX XXXX checking account was not recognized by connecticut department of Labor along with a few other checking accounts. I decided to use the XXXX XXXXXXXX  instead. I was told I could withdraw funds from any institution. However that was not the case I was given error codes trying to withdraw deposited funds. I called in on numerous occasions and was hung up on. When I finally got a representative I was told I had a daily limit of {$1500.00}. Every time I tried to withdraw at a atm the transaction was declined. I went into a XXXX XXXX XXXXXXXX on or around XX/XX/XXXX in which again the card was declined. I was given an option of a cash advance to remove funds which could be processed for a fee. I was told by representative that I could go to any US bank branch to withdraw account balance. I traveled 2 hours to a US bank on XX/XX/XXXX to be told that XXXX XXXX is a Subsidiary US bank. US bank could only perform a card advance for a fee. I was told I was not the only one experiencing this issue. Please advise

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 2023-09-14 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
On XX/XX/2023 & XX/XX/2023 XXXX ran two hard inquiry on my personal credit report with Transunion. The account that I was opening was for my business. I provided my business 's XXXX number. The inquires should not have been run on my personal credit file, only on my business.

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 2023-09-14 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I have previously submitted a complaint through the CFPB, number XXXX. My complaint has not been resolved. I am attaching documents of I.D . and my FTC 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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank - Business checking account More details can be provided upon request over a period of a month the bank allowed for my account to be overdrawn by well over {$800.00}. I did not know that my account was overdrawn because the receipts from the ATM machine did not have good ink so I could never see the negative sign in front of the numbers. 

I ask the bank why the allow my account to overdraft, I was told that my account allowed for overdraft. I never authorize for my account to have overdraft. This is a checking account and I use a debit card. 

The bank did not help with resolving the issues.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am refilling this complaint to EQUIFAX confirmation number XXXX for allowing fraudulent inquiries and fraudulent accounts on my credit report and for no corrective actions taken on these unauthorized inquiries and fraudulent information. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
these things are wrong on my report I dont have not late payments and I should not have delinquency accounts at all tell all ur information sources that is wrong and they must provide proof of contract & their info & Id must match attached Id and address of my account must be removed any accounts that doesn't match my current address or name on ID when my credit is ran this is what is being reported from your agency LENGTH OF TIME SINCE MOST SERIOUSLY DELINQUENT ACCOUNT HAS BEEN ESTABLISHED IS TOO SHORT INSUFFICIENT PAYMENT ACTIVITY OVER THE LAST YEAR REVOLVING ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS NOT ENOUGH AVAILABLE CREDIT!!!!! 

this is what is reporting and none of this is true!!!!!!!!!

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
these things are wrong on my report I dont have not late payments and I should not have delinquency accounts at all tell all ur information sources that is wrong and they must provide proof of contract & their info & Id must match attached Id and address of my account must be removed any accounts that doesn't match my current address or name on ID when my credit is ran this is what is being reported from your agency LENGTH OF TIME SINCE MOST SERIOUSLY DELINQUENT ACCOUNT HAS BEEN ESTABLISHED IS TOO SHORT INSUFFICIENT PAYMENT ACTIVITY OVER THE LAST YEAR REVOLVING ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS NOT ENOUGH AVAILABLE CREDIT!!!!! 

this is what is reporting and none of this is true!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
On Friday XX/XX/2023. XXXX from Service Loan located at XXXX XXXX XXXX XXXX TN XXXX contacted my XXXX  XXXX to let her know that I needed to get in contact with service loan because my loan was past due. I know theres privacy laws when it comes to these personal loans but they did not have the right to go tell my reference what they were calling me for. I have been an outstanding customer for the past year but this was unacceptable. XXXX have been very unprofessional and I am very upset. Id understand if I was XXXX or even 90 days late but I was only 6 days late. I work XXXX hours a week. Give me time to call back before reaching out to everyone on my list. She called my sister after calling my Job 5 times and cell phone 3 times and leaving XXXX voicemails within an hr.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I went to the branch to withdraw {$1100.00} and the branch manager was at the teller area when it was my turn in line. She asked me how she could help and I asked to make a withdrawal of {$1100.00} as I handed her my ID. She asked me if I had a debit card and I said that I did not because I didn't have a checking account there. She asked me what brings me " up this way '' and I said that I work in XXXX XXXX ( a borough in PA less than XXXX mile away ). She asked me for my full social security number and I gave it. She tired sending me a code to a phone number that wasn't on my account ending in XXXX - XXXX explained that I didn't open the account at Citizens, that it was bought by Citizens from XXXX and it must have been from a legacy system when they did the transfer as it was my parents ' phone number when I was a kid. I asked her to complete the authentication procedures so I could make my withdrawal and be on my way. She said she couldn't. I asked why not and she said she didn't have to explain herself to me. I asked her why a drivers ' license, full social security number, and account number wasn't sufficient and she said she doesn't have to explain her system to me. She said that I had no signature on file. I said that I know I did because I had signed transaction slips there before and that I know they take electronic images of multiple checks I deposited there with my endorsement on the back. She said my behavior was abnormal and I said there's nothing abnormal about it and I said she needed some better training. I asked to speak with her boss and she refused. She later said she had no way to contact her/him. I said that wasn't plausible and then she said that she could put a request in for me to be called back. I asked her to do so. She asked for my phone number and I gave it. She then said I'd be called back in XXXX hours. I said that wasn't acceptable as I wanted a single-visit resolution to the issue. She said that isn't how it works and that she won't do the withdrawal. She then kicked me out of the branch ( and I left ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CA

Complaint narrative:
On XX/XX/2023 there was a background check conducted by this company. The information that was sent to my employer was incorrect. My DMV printout is dated for XX/XX/2023 which has 1 point on my record. There were backgrounds conducted by this same company in XXXX and its the same background. There was a point removed from my driving record and this coompany sent that I have 2 points on my record when the Department of Motor Vehicles already removed the point. Now I can not get employment at this time because this report was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have brought 3 cars from Usautosales. Currently it's reporting on my credit report 2 times for different amounts. I have reached out to the company and also the company that has taken over its portfolio and still no answers. I charged XXXX for a XXXX XXXXXXXX XXXX I have had the car since XXXX and paid every payment on time. There is no way they are reporting that I owe XXXX to one company and XXXX to the other and reporting over XXXX or more to my credit report for the same vehicle. Not to mention 2 of the vehicles I had totaled out and I had gap and protection. But I paid out of pocket and was never reimbursed or helped. I actually had to pay them. Please research my case and inform me of the next steps to take.

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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On or about XX/XX/XXXX, at XXXX, I received a fake email from a XXXX XXXX XXXX who represented himself as an HR employee of XXXX, a subsidiary of XXXX XXXX XXXX. I was offered a job by XXXX XXXX who sent me some checks in me email and told me to deposit them using my cell phone. He later told me that there was an error with the checks and he resent two more checks. These checks were fraudulent and caused my checking account to be overdrawn over {$2400.00}. I disputed the transactions with Arvest Bank on or about XX/XX/XXXX, due to fraud. They denied due to no error. I reasserted my dispute on XX/XX/XXXX, because I believe the checks were not processed correctly and the bank should have stopped all of them from processing, instead of just the first one. They stopped the first one, but let the second one go through even though they knew it was also fraud. My second reason for reasserting is because the bank has not provided information such as token number or other verification that money actually was released to the intended recipient of the XXXX XXXX or XXXX XXXX account, or if it was just an internal processing error. Under CFPB guidelines banks are liable if consumers are tricked or scammed into giving out their bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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:
I recently had my personal information updated, but the inquiries were NOT removed. I also requested the document/documents that states I ( gave said agency ( Transunion ) permission to report any inquiries on my consumer report ( 15 usc 1681b permissible purpose ) states that WRITTEN CONSENT must be shown. This document HAS NOT been produced which I have noted and NOTARIZED documents requesting the WRITTEN CONSENT document. also ( 15 usc 1681n ) states that any person who obtains a consumer report from a C.R.A under false pretenses or knowingly without permissible purpose shall be liable to the consumer for actual damages sustained by the C.R.A or XXXX XXXX whichever is greater. Also Ive stated several times that these inquiries should be removed due to ( 15 usc 1681 i ) ( 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. Due to the said ABOVE laws I demand these inquiries be REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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:
On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-14 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 by more than seven years.

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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have called this company numerous times in the past month. I have asked for a partial Lien release and NO ONE will call me back or call the title company i gave the number and email to. I was told a lawyer would call me and nothing. Title company has called and she ( XXXX ) can not get any turn calls. 
They are breaking the law! My rights as an XXXX!! 
Its against a the law in Texas to place a lien on a XXXX! 
They will not correct the problem! 
This company is a joke and fraud!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked that I was a victim of identity theft I found numerous accounts on my credit that wasn't open by me. This has been hurting me and my family. I am in a process of buying a home. Please remove the fraudulent accounts from my credit reports soon as possible

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