vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Recently I submitted a business loan application with Truist, for marketing. The bank manger XXXX XXXX assisted with submitting the application and we were told that it took about XXXX XXXX hours to find out the decision. After waiting XXXX days i contacted XXXX XXXX to confirm what the decision was, i was informed that i was denied due to a low XXXX XXXX and delinquent payments which i couldn't understand because i constantly check my score, i also pay for premium version of XXXX an XXXX. She then explained that i would receive a letter in the mail and that i need to check with XXXX if i had any concerns. But as explained to XXXX XXXX i know all three of my scores and i know they all range from XXXX to XXXX. I then received the letter from the bank stating the pulled my credit and it was XXXX which i knew was impossible because i had just pull all three of my credit scores and i pay for the premium services. Which i then i called XXXX and ask to speak to a supervisor because my score online said XXXX. I need up speaking to the supervisor XXXX ( confirmation # XXXX ) explained too me that he could see my score and it said XXXX which is a XXXX difference from what Truist is stating they pulled directly from XXXX, the supervisor also stated that he wasn't sure why there would be that much of a difference in the score that they pulled verses what was shown, but that i needed to reach back out to the bank which i did. Once the bank supervisor verified everything she also stated that she couldn't understand why they were reported a XXXX difference in XXXX XXXX but to reach out to the CFPB because there was no way for her to submit for an issue with the application

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX of 2022 I pulled my Equifax credit report from Equifax and said no score and looked at my credit report and it had no accounts and another social security number on it and address and my old address. I disputed the information and sent my DL, social security number, XXXX, birth certificate, tax returns, utility bills and more to prove my social and address. The dispute came back asking me for proof of XXXX and XXXX which o already sent. I disputed again with sending all the same info and still came back again asking for proof. I just sent in again by uploading to their system of disputes and mailing the information but they will not update it. I would love to use another social security number and clear my credit but at this point it is showing XXXX XXXX XXXX XXXX with no credit. I would rather have my bad credit back then to not be able to confirmed my identity anywhere. Even going into places and showing proof of my identity because they cant verify with the credit reporting agencies XXXX cant get anything. I need this resolved ASAP! They said that they fixed it but when I apply for credit it is showing that there is no information on my credit report so they can't verify my identity which is a problem when applying for credit or a apartment or home or car loan. I don't understand why it is so hard to get my social back on my credit report and keep it there. I pull XXXX XXXX  and it shows a score but always says it is not updated because it can't pull my score so this is how I know they won't leave my social on there. If that is the case I need the XXXX to issue me a new social and transfer all of my credit information over to that number to fix this issue since EQUIFAX won't!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Payed loan XXXX months early the payment was due on the XXXX of the month and late after the XXXX. I never received any late notice. 
I was months ahead within the first year. 
They billed me {$2200.00} to receive my title

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 2024-08-19 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: NY

Complaint narrative:
I'm writing to share my concerns about some issues I've noticed with the credit bureau. These include wrong accounts listed under my name, incorrect credit reporting, incorrect addresses, billing mistakes, and accounts that aren't mine.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX XXXX oXXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-19 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: FL

Complaint narrative:
Dear Credit Bureau : I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-08-19 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. Additionally, TransUnion failed to respond to my second dispute letter. I mailed two separate dispute letters to TransUnion via USPS certified mail, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The second letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my second dispute.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
In late XX/XX/year> and early XX/XX/year> Associated Bank closed my account despite me having an open dispute and being an excellent customer for 10 plus years. I filed a dispute and provided documentation in regards to XXXXXXXX XXXX stating that I had to contact my bank to receive my money bank. Associated Bank never responded to my dispute and never gave me my money back which amounted to at least {$1500.00}. Associated Bank discontinued my access to any prior account information despite me filing 2 complaints and providing information from the company stating I needed to contact my bank to get my money back, Associated Bank isn't out any money as this is my money that is owed to me. Associated Bank has had months to make this right and has refused to do the correct and proper act in returning my money. I supplied the bank with the letters I received from the company that states I need to contact my bank and they purposely didn't investigate. The employees at the local branch disposed of the documentation I provided after they closed my account under false accusations. I want my money refunded. Associated Bank needs reported to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIRST HORIZON BANK
State: AL

Complaint narrative:
We are constantly receiving calls on our land line which we do not answer from First Horizon asking for additional information to finalize our loan for {$18000.00}. We did not request a loan from anyone. I called the local First Horizon bank and spoke with XXXX. She said they have not called us and they are getting a lot of calls from people that are concerned their identity has been stolen. The voice mails I am receiving come from different phone numbers but all are asking us to return their call at XXXX. I have not, and will not call this number, after talking with first Horizon locally. Here are the dates and list of numbers requesting a call back. 
XX/XX/scrub>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 XXXXXXXX All calls are asking we call them at XXXX to provide additional information for our {$18000.00} loan. 
We have no need and have not applied for ANY loan. 
All voice mails left come from the same woman or man. Not from different individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
I received an alert from the credit reporting agency that a collection showed on my profile. When I checked it all it showed was Paramount Recovery {$3000.00}. I had to XXXX the number and location it wasn't on the report. I called and the rep said they were collecting for XXXX XXXX XXXXXXXX! I told her that I didn't owe XXXX any thing. Then she said " oh it's XXXX XXXX '' I don't even know what that is. I told her that I have never pursued any business for that company and if they are claiming that I did that I wanted original contacts with my signature. I never heard of either of these companies or received any correspondence from Paramount Recovery or this so called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I asked Lexington law for their services n nothing was being done. Also, I would like to if any unfair practices or upfront fees were applied to my fees they were charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account ans can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>,

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a complaint XXXX XXXXXXXXXXXX. That further this complaint. In accordance to the fair credit reporting act. My consumer rights were violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602 A states I have the right to privacy. Also 15 usc 1681 1s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or have reasonable cause to believe that information is inaccurate. Because of the violation you have made a decision based of this violation and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: LA

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 XXXX XXXX XXXX XXXX XXXX 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. 15U.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