vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In regard to Equifax Data sharing policy, I have called multiple times to resolve the issue over the phone. I am concerned and again am now raising a concern and inquiring to the XXXX XXXX XXXX account on my credit score account provided by equifax. I am again requesting a copy of the consent Equifax is claiming they have for sharing my data. you did not give me the opportunitiy to opt out nor did you clearly and conspicuously state that I was opting in. You did not tell me how to exercise how to opt out. I never gave consent. you did not respect my right to privacy. Equifax did not exercise their grave responsibility. You were unfair and partial and never had permissible purpose. Title15 ch. 41 & 94 subchapter 1 & 2 15 USC- 6802 15 USC 1681a3 & 1681a4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I started getting bills from XXXX XXXX saying I had a account I called them and told them that they were wrong my name was hacked I reported it made a police report called them back gave them the information and they still continue to send me bills

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 2022-08-19 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 THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXXXXXX account number XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX states that a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-08-19 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on 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 2022-08-19 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on 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 explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV

Complaint narrative:
There was a account made in my name that I did not do useing my ss number and everyone of my stimulus checks where put in the account and when I called them they said the could not give me no information on the account due to the fact the account was not in my name and I have been XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the fact meto online bank just lets random people steal people identity and me and my family have suffered so much XXXX XXXX XXXX XXXX XXXX because I couldn't work and had no money and to support use and I couldn't prove that I was who I am and I didn't even find out until XXXX and it is already XX/XX/XXXX and still yet I have not received anything I am a XXXX XXXX XXXX man that is going through XXXX because I couldn't take care of my family and I am still trying to find a job and home for me and my family and that way my baby boy can have a place to come home too so with that being said I Will never trust meto Bank with anything that belongs to me that bank can't protect no body identity or money XXXX how can you trust meto Bank when they help people steal who you are and all you have to your name and cost you your way of life and hope

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a Bank of America prepaid card for use during my period of partial unemployment ( beginning of the pandemic, XXXX XXXX and then temporary Disability/family leave payments XX/XX/XXXX, from the State of New Jersey. Sometime in XXXX or XXXX of XXXX, my card number was stolen ( not the card ) and was used many times to drain my account of over {$600.00}. Because of the limited access to the account- not able to be helped at branches, no printed statements made available, and an inability to log into the online account, I had no idea this was happening until XX/XX/XXXX, when I was FINALLY able to get help from them in order to log into the account and look at the statements. I filed a fraud complaint, they issued me a new card that took 7-14 days to receive, and looked into the fraud, eventually getting the money back into my account. When I received the new card, it worked ONCE. I had to call the bank, they said there was a fraud alert ( for A DIFFERENT CARD NUMBER ) and the funds were frozen. They said they reset the card, and to go to an ATM. I would, the card wouldn't work, I'd call them back, they'd reissue a new card and I'd get it in 7-14 days. This process repeated EVERY time they sent me a card, until eventually, not even the new card worked. This continued into this year, when I got a new card yet again, and it did not work. Eventually I was able to transfer the funds from the account to my XXXX XXXX account and get out of this cycle of nonsense. I can not tell you how much time I spent on the phone with that bank and they did nothing. I was frustrated to the point of tears many times because we desperately needed that money for bills, food, etc. during the height of the pandemic. I went through 6-7 cards with them, and thought this craziness only happened to me. Until my mom sent me an article that said it happened to thousands of other people and that you guys went after them. So, THANK YOU for doing that. And I'm glad I wasn't alone in the anguish they put me through.

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 2022-08-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I submitted a dispute regarding an incorrect amount for my auto loan thru XXXX XXXX XXXX XXXX XXXX. The correct amount remaining is {$580.00} Experian is the only credit bureau company reporting a {$2800.00} balance. I have sent a current statement and the XXXX also emailed a payoff statement to me to prove the amount on the payoff letter is up to date. Experian is refusing to update the correct amount. Please advise the next step. I have disputed this 3 ot 4 times Thank 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 2022-08-19 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, 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a 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

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 I opened a Checking and Savings Account online with Truist. Later that day I funded the accounts ( in excess of {$40000.00} ) by making deposits at my local branch with XXXX 's Checks from my previous bank. On XX/XX/2022 I visited the branch because I had not received my debit card and I needed to make a withdrawal. I was told that my account had been closed and that I was unable to withdraw my funds. After several hours at the branch I was told to leave and that I would be called with and explanation an when I could have my funds returned to me. On XX/XX/2022, I received a call from Truist and was told that I could come pick up my funds on XX/XX/2022. On XX/XX/2022 I went to the branch to pick up my funds but I was again sent away and told that I would not be able to receive any of my funds and again I was told that they didn't know when they could reopen the account long enough to withdraw my money. I have been denied access to my money with no explanation and no definitive answer of when I will get my funds. I need your help. I have no other funds available to me and do not know what else I can do.

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 2022-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: NY

Complaint narrative:
I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XX/XX/19 and was in no state of mind to tell the correct info about it being a work related incident. I filled out work related paperwork afterwards, but then workers compensation XXXX XXXX denied the claim as work related. I called XXXX XXXX XXXX XXXX XXXX  and they said they will look into it and they denied me twice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), agreed to pay XXXX out of XXXX in good faith and XXXX XXXX XXXX XXXX XXXX will not pay the XXXX remaining and I am now being put into collections and will affect my credit score. Need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a 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

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I paid my account off back in XX/XX/2022 and then received another bill for XX/XX/2022 of {$12.00}. I put in a dispute since I thought I paid off the account. The dispute was resolved after the XXXX due date which I ended up paying the {$12.00} charge. Then I received another bill for XXXX showing I had a late fee and more interest charges. They charged me while waiting to hear about the dispute. I have since put in 3 other disputes and talked to several specialists and supervisors. No one has been able to help me. My disputes keep getting turned down and my account keeps snowballing in fees. It started as {$12.00} and is now currently at {$37.00}. I just want my account paid off at a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a 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

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 2022-08-19 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a 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

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CItibank has decided to block access to my funds an account so i contact them. when i did they claimed they needed to obtained personal information and that is why they blocked my account. despite providing the information it took them 24 hrs until i was able to access my account. this incident occurred on XXXX XXXX on XX/XX/XXXX they did this again and when i called and spent 3 hrs on the phone they admitted it was a mistake. however account is still blocked for the weekend. i have been a customer for 28 years with high net worth and funding. this case needs to be reviewed and compensation to reimburse me for my time spent. 
mind you as we write this letters account is still blocked

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 2022-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, Equifax released a statement regarding false information on credit report that have affected millions. I am one of the affected and injured. 

Congress made it clear that you assumed this role as a consumer reporting agency and a financial institution ; I never gave my permission to do this. 

Equifax did not exercise their grave responsibility. 
They were unfair and partial and my privacy was not respected and violated. 

Because of this, I demand the following changes to my credit report : All documentation, on and off the record, of my account be forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name corrected and all other errors deleted. 
Address corrected and all other errors deleted. 
Statement about current address removed that it is suspicious. 
All derogatory reports removed. 
XXXX XXXX paid in full without any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My Statement balance {$2100.00} Minimum payment due {$240.00} Payment due date XX/XX/2022 Amount to avoid Standard and Deferred Interest on your next statement* {$2100.00} My account is negative from fraudulent activity. I need the credit company to work with me to resolve this.

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 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received a letter from National Credit Sytems , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX whom are owned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A settlement offer for XXXX for the balance of XXXX with XXXX account number XXXX. This debt that is attempting to be collected was already tried by the legal team for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After breaching the agreed contract in multiple ways, I filed a motion with the court. The civil case was then dropped officially on XX/XX/XXXX. 

The dispossessory and the civil case was dropped then from the original filing date of XX/XX/XXXX, if the bar can not be met in a state court to collect on the debt and such items were dismissed. Certainly attempting to now collect this debt now privately through a collections agency is at a minimum negligent and in poor practice, if not rising to the level of violating the debt collections laws, codes and rules.

Company response to consumer: Closed with explanation