vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the fair credit reporting Act XXXX  account # XXXX has violated my right USC 1681 section 602 states I have right to privacy USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpt

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 2022-08-21 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: PA

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX Collection XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Collection XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: AL

Complaint narrative:
Ive reached out to TransUnion in a recent dispute and asked for the account with XXXX XXXX XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed on XX/XX/2022, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. 

After the reinvestigation, Ive noticed that the companys mail the account number and date of last payment remains in error, in which 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 2022-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am missing my Federal refund that was sent to you guys to the wrong account that I still haven't gotten back. Did everything I was supposed and my banker reach out n did a harmless letter and everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive reached out to TransUnion in a recent dispute and asked for the account with XXXX XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed on XX/XX/2022, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. 

After the reinvestigation, Ive noticed that the date of last payment remains incorrect and the account status and monthly payment amount remains incomplete, in which 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 2022-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had been approved for my edd benefits and had issues with my card in XXXX of XXXX. I was locked out of my account for almost a year. When I finally received a new card and thought things were good again in the beginning of XX/XX/XXXX, bank of America kept freezing my card for suspected fraud almost every time I used my card. And now they are requesting me to go into a bank with an id and I don't have an id at the moment because my wallet was stolen and don't have access to my money so I can get a new one. When I asked them the reason for them freezing my account the would not give me an answer

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 2022-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: RI

Complaint narrative:
Yesterday I received an email stating to check on my account with Avant. I was from XXXX and XXXX. 

Ive never done business with this company and it looks like their phishing to gather information from a ton of people. Hundreds of not thousands of people online reported the same email yesterday as well. Their customer service hung up on us twice and we waited about an hour each time. I think there might have been a data breach somewhere. Can you please look into this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I put my money into over five banks for me still say Im negative but I dont know why I dont have any money the reason for it is because all of the time Im putting money in the bank and Im not getting the money back and I was on unemployment now Im on nothing

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 2022-08-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive reached out to Equifax in a recent dispute and asked for the account with XXXX XXXX XXXX  XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. After the reinvestigation, Ive noticed that the date of last payment is incorrect and that the last due amount, actual payment amount, high credit amount, date of last activity, monthly payment, account status, creditor classification, balloon payment date, balloon payment amount, deferred payment start date, date closed, scheduled payment amount, and charge off amount remains incomplete, in which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: NJ

Complaint narrative:
On XX/XX/22 I sent a notice to Nationwide Recovery Systems , LTD stating a I did not recognize debt I allegedly owe on a medical bill. I still don't know why I owe it as no information was provided to me. I requested validation and verification through certified mail within 5 days business days stating I WOULD pay the debt if it was mine, but I needed verification. They did not send it and reported me to the Bureaus without warning. My score went down XXXX points because of that. I will take legal action in addition to this action if this is not fixed urgently. I have copies of everything and will be able to prove when I received notice of their letter at my new address they dismissed my letter which someone signed for. I know my letter was valid because I used the template provided by consumer affairs and modified it to meet my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
In accordance to the fair credit act XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX 15 u s c 1681 section 602 a states I have the rights to privacy 15 u s c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction Account XXXX Also XXXX Ac=account number Sc=sort code

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 2022-08-21 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:
In accordance to the fair credit act XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX 15 u s c 1681 section 602 a states I have the rights to privacy 15 u s c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction Account XXXX Also XXXX Ac=account number Sc=sort code

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
Equifax breach US DEPARTMENT OF EDUCATION popped up after data breach without my consent of applying for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an 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. 

This is the exact account held by XXXX XXXX that was disputed and removed from my report on XX/XX/2022. This has just been bought and placed on my credit report again, without any validation, verification, notice, communication whatsoever provided to me, but was allowed to be placed on my credit report by Experian, with recent knowledge of its inaccuracy, which is a 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 2022-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX XXXX they repossessed it on XX/XX/XXXX I explained to the lady that I just started a job and I'll pay them {$500.00} on the XXXX of XXXX a week prior already gave them {$200.00} but my money had to go down on a new place because I was an eviction so I told them on the XXXX I'll pay you {$500.00} and like I said 2 weeks before that I gave him XXXX they came and repo the car I lost my job cuz I have no transportation and my job was an hour away and now I'm almost Court as well again because I have no vehicle to get to work to jobs I am a natural person a living being and I have rights under 15 USC 1681 in on my credit report they said they repossessed the car yesterday XX/XX/XXXX is not possible because I don't even live at that apartment and they came the same day I was moving out they came and got the vehicle and I had to find a way to move out of that place without a car with no family no anything out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
on XX/XX/2022 i sent over a letter to Source Receivables Management. they was saying i own them ( XXXX ). i haven't received anything back in writing. as of XX/XX/XXXX they put it on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: FL

Complaint narrative:
Avante USA is furnishing four medical collections accounts on all three of my consumer reports. The bills have tremendously decreased my creditworthiness, reputation and ability to receive medical treatment that is gravely needed. Each of the accounts were placed on my consumer report without my knowledge. I did not receive any correspondences about this debt prior to this debt being furnished. I was denied the opportunity to dispute the validity of this debt. I am requesting this company verify this debt before reporting negative information. The service dates and amounts are the first inaccuracies I noticed on my consumer report. I would like for Avant to stop reporting these alleged amounts on my behalf and send me a debt validation that contains valid information. Stop using deceptive practices to attempt to collect and alleged debt that has not been validated. According to the FDCPA aggressive, deceptive and unfair business practices are not permitted. The denial for me to dispute and validate this debt. Has caused me to be completely stressed out by adding information to my consumer report that depleted my character, reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC debt collectors reported to the credit bureau 4 times in 1 month about a debt that I was unaware of, thus bringing my score down about 40 points. I just looked at my credit score through my credit card and saw this on my derogatory points. Not sure how to go about dealing with this. 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 2022-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I had lent some money to a friend in cash earlier this year. He paid me back on cashapp. On XX/XX/XXXX, without notice or any sort of contact, cashapp withdrew the XXXX dollars from my bank account, citing a dispute filed by the sender. They did that they aren't required to notify me, and could tell me no information about the dispute and that I had no way to fight it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
The original debt owed was less than {$200.00} from XXXX. The debt was paid, however, a small balance of roughly a few dollars remained because the agent paid it off incorrectly. This balance was transferred to a collection agency for around {$1000.00}. I disputed the debt and got it taken off as they acknowledged it was a false debt. Since then, somehow the current collection agency has purchased the debt and the debt is now somehow over {$2300.00}

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 2022-08-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I tried using the dispute methods available. They had no effect. I contacted the company, requesting an appointment to view charges on this account. I was denied, and told if I had a problem that I would have to dispute it with XXXX. 

I sent letters using the FCRA. My last effort was a demand for my all file sent to the XXXX via XXXX, it was signed for almost 2 months ago. Still have received nothing but incorrect, negative reports to the credit agencies.

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