vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: GA

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  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. Trans Union, XXXX, and XXXX. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.

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 2023-04-20 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 — Investigation took more than 30 days
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. 

Tracking numbers are as followed : XXXX XXXX XXXX Account names : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN : XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I made several calls to see why none of my payments was applied to my account and they failed to send them to me even in my email. The payments that I paid from my bank account over the phone were never applied and my account never changed. Even when I was in and out of the hospital they were calling me about payments even when I paid over the amount on a monthly basis. When I saw things on my statements that did not since to me and tried to reach out to them, they had no explanation at all. Then they sent me this letter and a new credit card saying that my account had been compromised and I have the letter to prove it. This has been a terrible experience with this first-ever credit card I will send you all the documents that I have submitted to them several times and they won't fix it and make it right and it's affecting my credit score big time and I'm tired of fighting with them on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I tried to reach out to the companies and they continue to give me the run around and send me to different people that can never give me a definite answer or help me. Then the addresses and phone numbers that are on my credit report are not mine nor the excessive amount of phone numbers that show up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I purchased an invisible aligner for {$1800.00} on XX/XX/XXXX. Followed up the instruction for 18 months. No result at all. Called XXXX XXXX  and they said they will send me another kit. Never received it. Called them again on XX/XX/XXXX. Now my case is closed because they never received my impression kit. However, according to the record, it was delivered on XX/XX/XXXX, XXXX AM, XXXX, OH ( XXXX XXXX : XXXX ). I tried getting help from the Bank but they can not do anything

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 2023-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2023 I set up recurring external transfers out, {$250.00} each, on the XXXX each month, to begin XX/XX/2023. 
When I signed in to destination acct on XX/XX/XXXX, the funds weren't there. 
I signed into Citizens Access to find the transfer hadn't been done. I called in, the representative read a statement saying " future dated transactions from XX/XX/XXXX to XX/XX/XXXX are delayed. '' I asked why, and why hadn't I been informed, and she had no answer. She offered to make this month 's transfer for me right away, and I approved, because I needed the funds ASAP. Throughout the call I asked several times for a supervisor so I could get some explanation and to set my expectation of when things would be back in order. She checked three different times but no supervisor was available. She made a request to have someone call me -- Case # XXXX. More than a day has passed and I've heard nothing. 
Today I signed in to my destination account to find TWO {$250.00} transfers were completed yesterday/today.> This issue comes after an issue I had last year, when I asked for a matured CD to be closed & deposited to savings. 5 days passed and I signed in to find it wasn't completed, again no notice or contact from the bank. When I called in, the rep said " it was done '' but they just hadn't put the funds into my savings. What was done? He couldn't tell me. He promised to ensure the CD gets closed & deposited to savings, and would have someone call to let me know when it was complete. Three days later, no call, and still no funds. Online the CD appears to still exist. I called yet again, and the rep said it's scheduled to be closed tomorrow, but Monday is a holiday, so it'll be FOUR MORE days to be deposited to savings. Total of 13 days delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am filing a complaint against Select Portfolio Servicing as they blatantly did not work with me to keep my home of 18 years. 

In XXXX, I wrote to SPS to ask them for a load modification after losing my job in XXXX. I paid my mortgage until my 401K was depleted, to which I reached out to SPS in desperation. The agents lead me on and then foreclosed my home. 

I am still in counseling due to this devastating event of losing my home, depleting my 401K, and having my credit score plummet. I am XXXX XXXX XXXX with no retirement savings and I don't own a home due to my credit score. 

SPS subsequently sold my mortgage to XXXX XXXX XXXX XXXX, to which they foreclosed my home. I have already filed a complaint against XXXX XXXX XXXX XXXX for the surplus money owed to me after the sale of my home in XX/XX/XXXX. 

See attached emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Employees unable to give me any information, unable to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company answered my previous complaint with a contact person, phone number and extension number however the contact person is out of office until XX/XX/XXXX and another contact persons name and extension number is given except that contact person doesn't return phone calls. I've made six phone calls in three days to this other contact person but to no avail. The inability for me to speak to this other contact person is just as bad as if the Company did not my answer my previous complaint 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 monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Greetings, On XX/XX/2023, TD Bank froze my XXXX checking account with the balance without any notice. I am being transferred to the TD Levy department. However, the supervisors and representatives do not provide me with any information or documentation regarding what are the status of the account and the rationale behind this action. The account is marked with TRO, which I assume could mean temporary restraining order. I have no assumption about what this could mean but before I take legal action against this company that I banked with for years and file the lawsuit, I would like kindly ask TD Bank for a resolution as well as the details of what happened to my account. This is my second time attempting having communication with my bank. 

Best Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX of XXXX  I legally changed my name by court order. I then went through the process of updating Social Security, all credit cards, and all information anywhere, including my bank accounts. My lawyer assured me this would be all that I needed to do. In XXXX my car was totaled and I went through the process of getting a new car, however, when I applied for a loan in XXXX and again in XXXX, the applications kept coming back as fraud. The two financial agencies that took my information suggested I get in touch with Equifax to correct misinformation. I did and spent the end of XXXX through this date ( XX/XX/XXXX ) struggling with Equifax to understand why they would not update my account. I was told to fax my social security card, drivers license, and court order to them. I did. The request was ignored. I was told to file digitally. I did. This request came back as " resolved '' yet the name was unchanged. On XX/XX/XXXX I spent a day calling Equifax, talking to multiple people to try and find out why the situation was " resolved '' and yet my name was unchanged. I got multiple answers, some trying to be helpful, but most not. Everyone agreed that I had to fax my information again because digital was not acceptable. I was repeatedly told that these items had to be done " with the paper in hand '' and so I asked repeatedly where to mail the original court order to if that was the problem, and I was then given the runaround and told to fax it instead. Today ( XX/XX/XXXX ) I went to XXXX on suggestion of my lawyer to see what information was incorrect on my credit across the board. I was easily able to use my current personal information to locate my credit report. It is my belief that Equifax is being discriminatory and refusing to change this information when they have openly admitted that every step I have taken and every document I have sent is valid and proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have credit inquires on my credit report that I don't recognize and I never gave them authorization to run my credit multiple of times or don't recognize at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Comenity Bank is calling my cell phone looking for my mother-in-law. I have repeatedly told them this is not her number, I am not her, to remove my number from their system and to stop calling. First they told me they would but I needed to have her call them within hours. It is not my job to do their job and I am not getting involved in her finances or debt collection issues. After I said that, they continued to call and are very, very rude every time I return their messages to tell them AGAIN they have the wrong number and person saying things like, " I don't know who you are and I didn't call you. '' As if that even matters. The person taking my call indeed represents this company so yes, you DID in fact call me. No matter what I say they argue with me and then pretend to remove me from their system but do not. I am tired of the harassment. I have excellent credit that I check weekly and do not owe this company any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX  # XXXX ..., # XXXX ...., XXXX XXXXXXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-04-20 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: TX

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX XXXX # XXXX ..., # XXXX ...., XXXX XXXXXXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX of XXXX, TransUnion doing business as XXXX XXXX  exposed a security breach which affected over XXXX XXXX people, I am one. There inquiry system coded hard inquiries as soft in error. As a result there is a Class Action Lawsuit against TransUnion. 
I have contacted them wasting hours and hours and no one is helping or even acknowledging the breach. 
On my TransUnion credit report XXXX XXXX XXXX TransUnion shows up more than fifty times every month multiple times as soft inquiries. They dont have authorization and I want these 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 explanation
Consumer complaint received 2023-04-20 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 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