vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX has sent a medical bill to Trans Union before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( XXXX ) has received the original debt ( UNC Southern ). XXXX received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didn't receive an itemized bill from them. XXXX turned that medical debt into all three credit companies, Trans Union, XXXX and XXXX, on XX/XX/2022 that is XXXX months after they received the original debt. TransUnion and XXXX are the only ones reporting this. I've received out but getting no where. This is really affecting me cause I'm in the process of buying a home. I just want my time that by law I'm entitled to. Thanks

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 2023-02-09 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: Professional Finance Company, Inc.
State: NC

Complaint narrative:
15 usc privacy 1681 602 state i have a right to privacy. Also 15 usc 1681 604 it also state a consumer reporting agenay can not furnish a account without my written statement .professional finan XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/23 someone called my landline claiming to be from Wells Fargo. Stayed someone trying to get XXXX. I do not bank at Wells Fargo did not give any additional information but will meet with bank later to stop or check if an account is being opened falsely in my name

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Recovery Corporation
State: FL

Complaint narrative:
XXXX XXXX is a 3rd party debt collection agency which according to The XXXX XXXX XXXX seeks to protect consumer financial privacy which Universal is invading my privacy. In pervious complaint I let them know they were committing identity theft because they shouldn't have my Nonpublic personal information which I never consent them to have. According to the XXXX XXXX XXXX XXXX the consumer have the right to opt-out if I don't want my information shared with certain nonaffiliated 3rd parties. Im exercising my rights to opt-out not to allow Universal RE to have my Nonpublic personal information. in attachment this is all included in ( NPI ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX is stating that I owe a debt to XXXX XXXX XXXX in the amount of XXXX. I was originally threatened by XXXX XXXX to pay for a debt I later realized was not actually mine. XXXX XXXX removed this item from my credit and stopped collections on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XXXX 2022, I was contacted by Truist Bank ( recent consolidation of Suntrust and BB & T Banks ) and informed I was in six months arrears with my car loan payments. My initial vehicle loan was via Suntrust Bank in XXXX 2020, at the time of my vehicle purchase. From the time of my vehicle loan in XX/XX/XXXX2020 to XXXX 2022, I was ahead on my monthly payments. At times, I was doubling my monthly payments. Every month during this time period, I was receiving notices from Suntrust Bank that I was ahead in my loan payments. 

However, in XXXX 2022, the automatic draft payment did not happen. Thus, sent my account into arrears. According to Truist Bank, the automatic payments didn't draft for XXXX and XXXX, but miraculously re-activated in XXXX 2022.To my knowledge, the drafts were happening, and I was not notified of the arrears until XX/XX/XXXX2022 via US Postal Service letter regarding owing Truist Bank on my vehicle loan. 

When I spoke with the supervisor, he cited a D.C. statute ( he could not cite the specific codes, but cited Congresswoman XXXX XXXX XXXX XXXX bill which recently became law ) which in essence, states ( and I'm paraphrasing ) that Truist Bank would be fined {$10000.00} for harassment for contacting me as a District of Columbia resident regarding my bill. I responded that this made absolutely no sense. If they had checked my account, they would see I had not been in default nor late with my payments. As a result, Truist Bank could not contact me because of this " recent legislation. '' I asked the supervisor how is it that in light of this " legislation, '' I was contacted via letter in XX/XX/XXXX2022 and not in XXXX 2022 when the first payment didn't post? Silence. I also asked the supervisor if perhaps the Truist Bank 's conversion software from Suntrust/BB & T Banks to Truist Bank may have been the culprit in the interruption of my payments. The merger of the two banks on the part of the information systems have been horrific according to national and banking news reports. 

Lastly, I called Congresswoman XXXX 's office to find out about this " DC statute '' because I couldn't find a record of it. Her staffer couldn't cite the statute and suggested I submit a complaint with CFPB.

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 2023-02-09 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: NV

Complaint narrative:
m 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 XXXX XXXX XXXX  None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX  the ambulance ride was paid by my insurance of XXXX $ to the XXXX XXXX county fire department under the alias XXXX XXXX. This collection agency is double billing. Cmre financial services Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I just opened an account with Wells Fargo as my employer gives benefits for using Wells Fargo. I deposited a cashiers or Bank Check from XXXX XXXX XXXXXXXX with my funds from my last account. First, after having my deposit at the ATM rejected I was told that new accounts were not allowed to make ATM or mobile deposits that I would need to go into the bank. I had to speak to 5 different people to finally get to the true answer and that I could make a deposit at the ATM and the alert was taken off my debit card. The debit card had been held to not allow for any ATM deposits which was wrong. The bank is not open when I am off work. I finally was able to deposit the check at the ATM and was given the receipt stating the check would be available the next business day which is appropriate as this is a GUARANTEED bank check. Then the next day I was told the check had a maximum hold of 10 business days. This is not a personal check or a check from anyone. It is a CASHIERS check with my previous checking account funds. I really wish I had not changed banks. I now have no access to my funds.

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a deposit of XXXX from one bank account to another by writing a check and using mobile deposit on XX/XX/XXXX. I make this same transaction often. Truist has put a hold on it and will not release funds until XX/XX/XXXX. I called the issuing bank ( this is a money market account through XXXX XXXX via XXXX  XXXX XXXX ). They have debited the funds from that account and see no reason for it to be held. They said it looks like a normal transaction. I tried calling Truist. Their customer service agent didn't seem to understand the question and tried to explain that funds were available the next day. When I explained there was a hold on it, he put me on hold and after 5mins they hung up on me. They seem to be unable to explain why there is a hold and no funds have been released.

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 2023-02-09 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 XXXX XXXX, ( Original Creditor XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern : 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 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 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 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX almost XXXX home depot

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 2023-02-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone applied for credit with XXXX XXXX bank / XXXX on XX/XX/23. I created a dispute with the credit reporting company Equifax on the same day. They send me a report stating the dispute was complete and the hard inquiry would stay since it was done even after I told them it was fraud and I had not pulled any credit. The reason this is so important to me and that it gets removed is because I am currently under XXXX XXXX XXXX  and should not pull credit or they courts may dismiss my filing before I complete it. Now Equifax is telling me I need to provide them a report and copies of my drivers license and copy of my ss card so they can review further. I don't understand why I have to do this if I already told them since I am under bankruptcy I shouldn't apply for any credit. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-02-09 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: NV

Complaint narrative:
m 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 XXXX acct # None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know 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 2023-02-09 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: NV

Complaint narrative:
m 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 XXXX acct # None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know 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 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please be aware that I am a Consumer that has some about a dispute that I sent on XX/XX/2022 and I have not heard from or received any documentation back from my dispute. I disputed this repo and Under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e. False or misleading representations ) since I disputed a debt and they fail to report it as disputed to the credit bureaus that a violation and must be deleted my from consumer reports. They failed to issue the notice of dispute. I disputed a bankruptcy that on my Consumer Report from XXXX because I never received the Validation of proof that the repossession of the subject vehicle was legal in Accordance with the following UCC : XXXX  ) 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX ) 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. XXXX ) 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX ) 9-506. EFFECT OF ERRORS OR OMISSIONS By Law, they are legally responsible to provide me with any and all copies of the legal documents and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

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