vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: NY

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 XXXXXXXX has violated my rights XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 2022-08-12 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: GA

Complaint narrative:
Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.

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 2022-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
have ask in the past to cease and desist all verbal communication yet they keep calling so far about twenty different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP
State: NC

Complaint narrative:
NEVER GOT ANY VALDATION LETTER '' S VIA MAIL OR ELECTONICALLY FROM ANY OF THESE DEBT COLLECTORS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXXXXXX Has reported false information under my report. Account has been paid in full and I was never ever late.

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 2022-08-12 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX and XXXX  XXXX Has reported false information under my report. Account has been paid in full and I was never ever late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX and XXXXXXXX XXXXXXXX Has reported false information under my report. Account has been paid in full and I was never ever late.

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 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc.
State: CA

Complaint narrative:
XXXX and XXXX are very deceiving. He promised to pay me which I never got paid. He then got his lawyer to email me to stop asking about where my money is. I have recorded conversations of him promising to pay me and never did. Please help me or let me know who to go to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: NC

Complaint narrative:
I NEVER GOT VALIDATION VIA MAIL OR VIA ELECTRONICALLY I NEED THEM TO CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under XXXX15 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 2022-08-12 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, 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 -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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX {$9100.00} dollars was stolen out of my account via fraudulently written checks. This plus a {$35.00} insufficient charge totals to {$9200.00}. XXXX XXXX was helping my mom ( the primary account holder ) with somethings around her house because she was dealing with medical problems. At one point she was even hospitalized. As soon as I became aware of the fraud, I immediately called the bank who opened a case and told me the money would be put back within 10 business days. Well after a month of back and forth, hearing a different picture from the myriad of customer support professional I spoke with, I finally learned that the claim was denied because the fraud started in XXXX and that was outside of the 30-day period in which fraud was required to be reported. I was beside myself. The signature on all of these checks did not match that of mine or my mothers and it was so clearly fraud. Does the bank not have any internal protocols to match a signature when cashing checks? We've reported this individual to the police and he is in custody, but we are still out of almost {$10000.00} and my mom was sick. The money stolen between XXXX and XXXX was {$1200.00} and from XXXX to the beginning of XXXX when I made the report he stole {$7900.00}. Going back to XXXX would have been 60 days, but the bank refused, saying that because it started in XXXX - none of the money would be put back. 

This is incredibly egregious from a company that made $ XXXX dollars in XXXX. 

Case # XXXX Claim # 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 2022-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank closed my joint savings account with no forewarning, provided no reason, just a " business decision, '' and will not generate the check for my deposited savings for a full 60 days. They are withholding all of my money for a MINIMUM of 60 days and they can not or will not tell me the reason or transfer me to someone who can. I am furious beyond words. Looking online, I see several other stories about a new overactive safety algorithm to detect fraud closing other accounts, but all we've done is submit two initial deposits, and I submitted an entirely legitimate workplace check while my workplace was verifying the account to set up partial the direct deposit into my Discover savings account. I had heard such good things about Discover and Discover 's customer service and I am absolutely crushed that I have to find a different company to work with after what I could frankly call a betrayal of my trust and what should be an ILLEGAL hold on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: MN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-12 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:
Recently checked my credit report and noticed some unauthorized hard inquiries on my account. My information was used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XX/XX/22 I attempted to make a withdrawal from my account with USBank at a local ATM here in XXXX South Carolina, the transaction was denied .I contacted the bank on Wednesday, and explained what had happened .The bank representative stated it was an issue with my identity and I needed to verify who I was .I did the verification on Wednesday as requested. Called the bank on Thursday, spoke with a representative and the same issue was reported to me, again I sent my state ID and another selfie to the bank verification system, called and spoke with the representative again to make sure the ID documents were legible and that everything was according to the request the bank had made. 

The representative loaded all the information and stated to me that everything looked fine the ID and selfie was clear and that was all they needed from me for the issue to be cleared up once the verify associates looked at the documents and cleared all documents submitted. I called back on Friday XX/XX/22 now we have a fraud issue along with verification that the bank could not verify that I was the individual that owned the account .I have had issues with this bank since Pennsylvania XXXX deposited my funds in the account .The bank have a freeze on my account, I can't retrieve XXXX single XXXX from the account I have attempted to resolve this ongoing issue for 3 days now without any resolution. I spoke with a representative supervisor ( XXXX ) that told me to contact the state concerning my funds because they couldn't identify 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 2022-08-12 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: NJ

Complaint narrative:
This company is reporting inaccurate information on my credit report which is hindering me from obtaining credit. I mailed and called the company a letter requesting a re investigation into this account they told me the original creditor has verified this account and it will remain on my credit report. This company has been reporting this inaccurate account since XXXX I have been disputing this account since XXXX and they will not tell me how the verified this 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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Company has been repeatedly denying all of my transaction disputes based on little or effortless investigation findings.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I've been contacting my lender ( Citizens ) since XX/XX//22 regarding a delinquent property tax notice I received in the mail. I have an escrow account with my lender for property taxes and insurance. I have called in many times and also sent multiple fax requests. Every time I call in, I get the same generic response that the issue is being escalated or the issue is with the research team. As of today, XX/XX//22, my second installment property tax is still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, 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 -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 explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been an account holder with Truist ( and it's predecessor banks ) for over 30 years. I have been using electronic banking and bill pay services since they became available. On XX/XX/2022, in the course of setting up/adding a new joint account to my profile, someone at Truist deleted my online account ( i.e., my ability to access my accounts online, not the accounts themselves ). This was not authorized, and I do not know why it was done. 

To access my accounts, I had to create a new user profile ( i.e., a new username/password ). While I am now able to access my accounts, all of my account history ( including 20+ years of payees/account information, autopay information ) is no longer available. 

I spent several hours on the phone ( mostly on hold ) with Truist. During that time, ve spoken with numerous customer services representatives ( and their supervisors ), including representatives from Digital Support only to be told that once the online account is deleted the bill pay information is gone. Given federal regulatory requirements for bank data preservation, I find this very hard to believe. 

On XX/XX/2022, I received three ( 3 ) identical copies of a letter dated XX/XX/2022 from the Truist Enterprise Fraud Department indicating that " ... effective immediately, it is necessary to close the above referenced account ( s ) ''. There was no return address nor phone number. The letter indicated that if I had any questions I should visit my local Truist Branch in person with two ( 2 ) forms of identification. I promptly visited my local branch and met with the banker that helped me open the account on XX/XX/XXXX. He called someone ( he could not tell me who ) and told me they do not know why the letters were sent and said I should disregard them. I have uploaded a copy of the letter for your review. It is unconscionable that a bank 's fraud department would send such a terrifying letter to a bank 's customer and not be able to explain why it was sent. As far as I can tell, the account is still open, but I have no confidence that it won't be suddenly closed at any time for no reason at all.

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 2022-08-12 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: MN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief