vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: AZ

Complaint narrative:
COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX  ALREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXX XXXXXXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX XXXXLREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN 2020 XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.

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 2023-04-19 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX  as well as XXXX  and Regional Acceptance informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a business checking account with Truist. The account was opened in XX/XX/2022 at the XXXX, Florida location the person who opened the account opened a checking account and a credit card account. Well the credit card application was an issue cause the person who did the application for the account and the credit card didnt enter my social security properly. So the application kept being denied I contacted the branch and the corporate office several times Recently I was getting charges for XXXX  verify which didnt belong to me or my business when I contacted Truist in the middle of XXXX they would not address the issues and the kept getting the run around so I did what I was able to on my end limitations on my business account setting waiting for them to contact me. They didnt and it happened again so I have been battling with trying to get someone on the phone as there was another fraud charge that happened 2 weeks later even though they didnt fix the first one and they still didnt refund my account or credit My Account that first charge they also didnt request and he does additional information. I got no notification know that there is nothing. That was my first complaint the second I complained the same thing happened but this time is a little bit different. This time I havent had access to my bank account my business bank account for seven days I was able to view it online, but in terms of accessing the money they shot my business down. This was the second time that they did this to me. 
New Phone call no notice nothing My bank has been shut down since XX/XX/XXXX no one call me back. No ones here to help me and I am this is my second complaint to you this site as well no one is responding I have XXXX in a business account with Truist and they are denying it is an access to view my account online they close the account down because of the fraud finally, and they reverse the charges I tried to walk into the local branch and I have to make an appointment. I dont even know where I would do that. 
And when I went into my local branch, they were rude, disrespectful and self-righteous. Meanwhile, my business account I cant access and everybody seems to be OK with that. I cant utilize my money when I want to and my bills are being denied because they were automatic bill paste that are getting denied

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed inquires on my Eqifax account on XX/XX/2023. I received a response XX/XX/2023. This information isn't correct, and I would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: GA

Complaint narrative:
This account is reporting on my credit report and it isn't mine nor is it from an address that I live at. The collection agency didn't provide me a contract with my verified signature or verification of my social security number. 've contacted the collection agency and they sent over statements from a fraudulent address that's not mine ( nothing verifiable ) and WILL NOT REMOVE IT FROM MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent the credit bureaus a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX should be deleted from my credit immediately because it was purchased by another lender, and they are already reporting the account as a collection. XXXX and Transunion are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. Please delete this account from my credit report within 15 days.

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 2023-04-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, XX/XX/2023 and XX/XX/2023 I mailed a certified notarized affidavits to XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX that I never gave their companies consent to share my personal information nor I was not provided with proper disclosure and for that reason I am a victim of identity theft. I have reached out to the respective companies letting them know that I am aware of their improper use of the sharing of my private information without my consent and in fear that they could be using my information for marketing purposes numerous of times with no proper response.

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 2023-04-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion Has consistently ignored my request about a particular account that they DELETED off my credit report without any permisssion or request. XXXX XXXX did not remove the acct and in fact called Transunion and told them we didnt remove here acct it is in good standing and they report on the acct monthly Transunion said they removed themselfs and refuse to add it back and knowing that it was there error. When they removed this account which by the way out of all three bureaus only them. it caused a XXXX pt drop in my score and caused my XXXX to drop in the middle of my Refi. I was approved and then like that this spike happened because it affected my debt ratio. 
I never disputed, complained or ask for this to be removed. 

( this acct needs to be added by, Transunion made a mistake and refuse to own up to it and put acct back ) Account # last four XXXX XXXX XXXX XXXX XXXX date opened XX/XX/2021 credit limit XXXX balance {$00.00} acct is paid after its used asap Note : I wrote them, I sent letter from XXXX XXXX. 
WHAT ( TRANSUNION ) DID WAS MAKE A MISTAKE. THERE WAS XXXX XXXX ACCOUNTS IN WHICH THE OTHER ONE WAS OPENED IN XX/XX/XXXX XXXX LIMIT {$200.00} BALANCE PAID IN FULL. AND IT WAS CLOSED XX/XX/2021. THIS WAS A SECURED CARD- TRANSUNION XXXX A MISTAKE AND CLOSED THE ACTIVE ACCT WHICH ENDS IN # XXXX, WHICH WAS OPENED XX/XX/2021 IN ERROR

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 2023-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am not receiving credit for payments made on my loans from XX/XX/XXXX - XX/XX/XXXX. My loans were originally placed on an In School Deferment for this time period, but I submitted a School Deferment Waiver form to XXXX XXXX to have this deferment removed from my account. XXXX XXXX approved this request and I have attached these documents to my complaint. During this deferment period I made several payments on my loans and have attached a copy of my payment history from my servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; Capital One tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXXXXXX XXXX  as well as XXXX and XXXX XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
Ive sent letters of dispute but Ive never received an answer, items that are too old are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
Experian has failed to respond to Escalation Ticket XXXX. I am unable to log into Experian as Experian seems to have connected my SS # with an email address that is not me. I requested a new user name and password so I can log in, verify credit, freeze/unfreeze credit etc. etc. They were contacted via telephone XX/XX/23, via mail XX/XX/23 & XX/XX/23 and via telephone again on XX/XX/23. I want Experian to contact me and resolve this issue and allow me to provide and use a user name and password linked to my email address. I have provided Experian with everything they have requested. Please note that it is almost impossible to reach an actual person via Experian 's phone numbers which makes this process even more frustrating and difficult.

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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
My father passed away XX/XX/2021 The mortgage was in his name and the payments were on the hero 's act, so no payments were being made. 

When he passed I was named the successor, Sent the bank the documents from probate, they refused them ( Confusing even the probate Judges and staff ) they opened 12 cases and kept closing them ( stall tactics ) NOW I am in loss mitigation and the foreclosure is suspended meanwhile they are actively having their Attorney move forward with the foreclosure in Superior court ( DOCKET NO : XXXX ) they are doing what is known as Dual tracking and it is not only prohibited by the CFPB it is also illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: DE

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g.

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 2023-04-19 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: DE

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Equifax for reporting unlawful information/accounts on my credit report. Despite my numerous attempts to rectify this situation with the company, they have failed to comply with federal law and correct the errors on my credit report. 
As a responsible consumer, I have always been diligent about monitoring my credit report for accuracy. However, I was shocked to discover that Equifax had included unlawful information/accounts on my credit report. This inaccurate information has had a negative impact on my credit score and has made it difficult for me to obtain credit when I need it. 
I have made repeated attempts to contact Equifax to rectify this situation, but they have failed to take any action to correct the errors on my credit report. This is in clear violation of federal law, which requires credit reporting agencies to ensure the accuracy of the information they report. 
I am now requesting that Equifax be held accountable for their actions and that they take immediate steps to correct the errors on my credit report. I also request that the CFPB launch an investigation into Equifax 's practices and take appropriate action to ensure that other consumers are not similarly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2022 I ordered a shower door from XXXX. The door that was delivered was not the correct one. It was returned and the account was credited. Since then I have been billed twice for the correct door that I refused at my front door. I disputed and Discover found in XXXX 's favor. Since I have talked to XXXX and they requested that Discover find in my favor and Discover refuses to do that as the file was closed. i will not pay for a {$600.00} door that I do not have. Discover has sent my account to collection. I am caught between XXXX and Discover with each pointing at the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
My identity was stolen back in XXXX  and someone stole all my money off my card and I made a claim about my account and keep getting the run around please help me recover my stimulus and deposits that were stolen.

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 2023-04-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent the credit bureaus a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX should be deleted from my credit immediately because it was purchased by another lender, and they are already reporting the account as a collection. Experian and XXXX are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. Please delete this account from my credit report within 15 days.

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