vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
Avant has charged off an account opened around 2014, a loan amount of {$6800.00} plus interest accrued until charge off date, which is not known to me. The account may be reported to credit bureaus which is not confirmed as of yet, do not have copy of credit report available at this time. I've requested Avant remove account from credit reporting several times, if reported, past CFPB complaints filed in re, Avant remains evasive about matter as they have not addressed issue in their replies. Their last reply seems to suggest I make payments, payment information provided including number to call, in which case, no payment ( s ) will be made as the funds were never received from loan. I applied for loan, did not receive funds, as explained in prior CFPB complaints. Avant further replied by supposedly opening a fraud investigation, even after account charged off and considering the fact I did apply for loan.. Avant seems to imply fraud is involved, claims to have emailed me information about fraud claim, no such email received to date. Any fraud claim is irrelevant at this point in time, it appears the account is now too old to be reported to credit bureaus, if in fact reported, which is unclear at this time. Avant simply needs to remove account from credit reporting, if in fact reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: NY

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

Account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist has been putting administration holds on everyones deposited checks when done through mobile deposit. I have been depositing checks on mobile ( BB & T ) for 3.5 years and never once had s bad check or a bad standing with the bank. Yet, they have decided to hold 5 checks for over {$6600.00} dollars in one week. That is for payroll for my company and for my family to survive. THIS IS CRIMINAL! It is happening everywhere with Truist. There are hundreds of complaints online about this exact behavior in the last few months. 

3 of these checks are bill pay checks where the other bank verifies the funds before sending the check!!! I have been depositing those same checks for over 3 years and never had a hold or a bad check!!

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 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was unauthorized transactions made to my account in which I did not authorize the amount was {$2100.00} and a few other charges that was authorize that were unknown to me. I contacted bank of america and they refused to reverse the charges. The unauthorized charge for XXXX was done through Ach. in which was done by my previous landlord. He was not authorized to make this transfer but bank of america granted the authorization anyway. The transaction was in XX/XX/2022 and XX/XX/2022. On XX/XX/2022 is when I intiated a claim and on XX/XX/2022 I filed another claim. The claim number is XXXX. My checking account number is XXXX. These unauthorized transaction also made my checking account overdrawn.

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 2022-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: DC

Complaint narrative:
I keep tabs on my credit regularly. I don't have the best credit in the world. However, I ensure everything gets paid on time, if not early ; nothing is or has been in collections for over ten years. All my credit cards are almost maxed out for various reasons, and I have two other personal loans. The goal behind going to Lending Tree was to consolidate everything down into one loan so I could lower my monthly payments. 

On XXXX, I went to XXXX to see about getting a personal loan. I completed all the required information. At XXXX point, the website showed me my credit score. The number was XXXX. I was in absolute shock. A XXXX is XXXX point away from being labeled as having " BAD '' credit and a XXXX is FAIR credit. 

After the initial shock of seeing XXXX as my credit score, I stopped the application process and immediately logged into my XXXX account. Had I been hacked, was I the victim of identity theft, had all the hard work I done over the years been for nothing? I pulled all three scores. The results were astonishing. XXXX XXXX, XXXX XXXX XXXX XXXX a XXXX difference. What the what? I was blown away. The actual scores put me in the solid " GOOD '' credit range. 

Admittedly, I am unclear how companies like Lending Tree make money. I would guess they are given a cut of the total value of each loan referred. In my mind, a higher loan value ( principal plus interest ) equals a higher payout for the lending trees of the world. 

If Lending Tree is telling their business partners that I have a score XXXX points lower than my actual rating XXXX. I will not get as many offers ; I look at a higher risk of default. 
2. The offers on interest rate offered is going to be exponentially higher, which means higher total loan value. 
3. After the loaning company runs a hard credit inquiry and finds the correct, higher score, there is no incentive for them to lower this interest rate. Why would they? They figure you are okay with paying a higher one. 

In addition, when you log into your Lending Tree account there are all kinds of links to other products that they recommend. All of which are tied back to your credit score. 

When I called the XXXX number to see how to rectify this, I was told they had never heard of this before and did not have any way of making changes. 

The way I see it, the lending tree is preying on individuals desperate for cash which might be struggling with understanding credit history, credit scores, and other topics of personal finance. They are deceiving the applicant for higher gain. I am not saying Lending Tree should not make money ; they absolutely should ; they provide a service. They should not be cheating the system and making people who already struggle with finances pay more. Talk about kicking someone while they are down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: CA

Complaint narrative:
Credit bureaus use that E Oscar application.. which in reality they're not really validating anything they're not doing anything at all I recently submitted very regular disputes for account updates they came back as not updated when I in fact had my online accounts open and current one company even went back as far as XXXX never bothering to update anything for XXXX I've provided proof and photo shots of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: PR

Complaint narrative:
To update my current dispute at Trans Union, C.F.P.B. number XXXX, which is still in process, I am including the Lawsuit Copy received at the Clerk 's Office of the U.S. District Court for the District of XXXX XXXX XXXX Yesterday, XXXXXXXX XXXX XXXX I filed a lawsuit against XXXX XXXX XXXXXXXX XXXX XXXX, known as XXXX 

XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections manager. 

Because, on my sixth visit to XXXX. for the complaint number above, I finally confirmed it is manager XXXX XXXX XXXX XXXX the one that against the Laws and with a discriminatory conduct, decided not to report the payments coming from my savings account at the same XXXX as payments, knowing it is a secured loan precisely to be able to use the savings there as a back up in case salary is lost. 

Because her un justifiable and illegal conduct, I included Fair Credit Reporting Act Violations, Fair Debt Collection Practices Violations, and XXXX Disrimination. 

She also decided not to report the whole payment history of the loan and an incomplete payment history of my payments paid personally.

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 2022-09-24 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: NY

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

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 2022-09-24 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), COLLECTION ( Opened XXXX XXXX, XXXX, Balance {$280.00}, Original Creditor Name COLLECTION ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX  ( Opened XXXX XXXX, XXXX, Balance {$0.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XX/XX/22 - I placed a order with XXXX XXXX for {$320.00} for motorcycle parts. They did not have all the parts in stock that were ordered and shipped a partial order. I spoke with XXXX XXXX on XX/XX/22 and I was told they issued a partial refund of {$260.00}. My citibank account was never refunded any amount. 
I disputed this transaction with Citibank and was told they sided with the merchant. The merchant ( XXXX XXXX ) never shipped the complete order or refunded me the money for the parts they did not ship.

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 2022-09-24 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: NC

Complaint narrative:
On XX/XX/2022 I disputed collections that were on my credit report that I had not been aware of. The company XXXX XXXX XXXX can not produce any type of contract that I XXXX XXXX have or had with them. Experian removed one collection from my report but not the others which are from the same company.

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 2022-09-24 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: IL

Complaint narrative:
This Dispute is geared towards the five credit reporting agencies, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX. These companies are in the business of running criminal enterprises. XXXX and XXXX is in the business of selling personal and private information to XXXX, Equifax, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover has falsely reported the available credit to the credit reporting agencies for months and not updating when balances have been significantly reduced. I have attempted to have Discover resolve this and there has been no update they claim they have made. This affects both my wifes and my ability to apply for credit and show could credit growth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.

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 2022-09-24 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: NY

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

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 2022-09-24 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation
State: AZ

Complaint narrative:
This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to XXXX and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXXNEVER SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 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 2022-09-24 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: MN

Complaint narrative:
Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my 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 2022-09-24 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: IL

Complaint narrative:
This Dispute is geared towards the five credit reporting agencies, LCI, XXXX XXXX, Transunion, XXXX, and XXXX. These companies are in the business of running criminal enterprises. XXXX and LCI is in the business of selling personal and private information to Transunion, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... LCI and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The XXXX XXXX XXXX XXXX. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT

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