vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: SC

Complaint narrative:
On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.

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 2023-05-03 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: SC

Complaint narrative:
On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NJ

Complaint narrative:
Hard inquiries that hurt my credit. 
Didn't authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.

Complaint narrative:
It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX and XXXX 60 day late payments dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, Transunion, XXXX refuse to remove an address that does not belong to me. its removed and then reappears

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 2023-05-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, Equifax refuse to remove an address that does not belong to me. its removed and then reappears

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
Debt is not accurate and neither XXXX or RMS can verify the correct detailed information on the amount they are asking for. Invalid debt. AND after requesting further information bc of in accurate documentation they sent a letter 10 days later still claiming I owe their amount of debt. I was under the impression that if i dispute this debt they are not to pressure me for 30 days. They will not listen when I say the documents are inaccurate and do not show the amount they are asking. They repeatedly call when I asked them to stop. They said this isnt up for debate and I owe that amount and they are reporting me.

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 2023-05-03 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This company placed a bet on my credit file without giving me any written notification at all. Not only that when they responded to my initial complaint with you, they published an address. An address I didnt even provide to you that violates the FDCPA and giving out personal information. Cant wait for an attorney to get a look at that one. Now my settlement offer to them as of now {$2000.00}. I get an attorney theyre gon na pay more than that in attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I was in my vacations from the XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I received an email from American Express that the were reviewing my credit limit to reduce it. I was told to pay an amount over XXXX dollars before XX/XX/XXXX. I was in the XXXX during my vacations and I had limited access to internet and no access to calls. I read the email and immediately I contact ext customer service through the app and they told me that they cant do anything for me unless I contact the department via telephone. I tried to download XXXX to call them but I was not able. I had no access to calls until XX/XX/XXXX. And when I checked my credit limit was decreased. I never missed a payment. I never went over limit. And I want my old credit limit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
From XXXX until now I have contacted TransUnion informing them in certified letters ( see several attachments ) of inaccurate and incomplete information that they have continued to list on my TransUnion credit report. Despite my letters and information from the original creditor that contradicts them, TransUnion has refused to correct their errors and has only responded with saying the incorrect information has been " verified ''. The incorrect information as of XX/XX/XXXX is : XXXX. This account is still reporting both the Balance and Amount Past Due of {$15000.00} even after it has been discharged by XXXX with the issue of a 1099C ( see attachment ), neither of these items should be on the report, XXXX. This account continues to not post my Notice of Dispute despite my multiple dispute letters challenging this account ( see letter attached ). This is a violation entitling me to at least {$1000.00}, XXXX. This account is missing all the positive Payment History from XX/XX/XXXX to XX/XX/XXXX, XXXX. This account is not reporting the Date of Last Activity and not reporting the Date Closed ( see letter attached ), XXXX. Without those dates, the Drop Off Date is incorrect.

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 2023-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made timely payments on this account and have worked hard to do so. It is unacceptable that a late payment has been reported. Please see the attached documents and remove this late payment from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Approximately 90 days ago, I opened a personal checking account with Truist bank, using the promotional code XXXX. The promotion offered a {$400.00} bonus to customers who opened a new checking account and completed two direct deposits. I called Truist on XX/XX/23 to verify that the code was entered and that I would receive the bonus if I complied with the terms. A supervisor assured me that the promotion was applied to my account, and I had nothing to worry about. 

Based on this promotion and assurances, I maintained an account in compliance with the terms of the promotion. However, on XX/XX/23, I called Truist to find out the status of the account. The agent transferred me to a supervisor who informed me that the promotion was not applied to my account, and there was no way to get the promotion that was offered, despite me opening and maintaining an account in good faith. 

I believe that Truist 's failure to honor the promotion is a clear case of false advertising and is an unethical way for the bank to take advantage of its customers. I opened an account with the expectation of receiving a {$400.00} bonus, and Truist 's failure to honor the promotion is a breach of their agreement with me. 

I plan to escalate this matter to higher management within Truist and request a thorough investigation into the matter. I will also file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that Truist is held accountable for its actions. Finally, I am considering closing my account with Truist and taking my business elsewhere if I feel that I can not trust the bank to honor its agreements.

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 2023-05-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: MD

Complaint narrative:
I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

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 2023-05-03 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: MD

Complaint narrative:
I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I have had repeated problems with my aspire mastercard. first I had problems logging in and submitting payment. they charged my late fees which I was unable to recover. customer service was incredibly slow and difficult. I kept the account open, to prevent adverse effect on my credit report, but I stopped using the card. 

now I have found sudden " account maintenance fees '' of XXXX $ a month added to my account. I never agreed to or was notified of these terms. again customer service was difficult to access and tried to give me the run around. 

after great difficulty I was able to close the account and they agreed to drop the fees after I mentioned filing a complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX claims that it never received credit reporting agency disputes from TransUnion. 

I submitted disputes via my XXXX XXXX account which partners with TransUnion. 

Disputes to correct inaccuracies for my XXXXXXXX XXXX account were submitted ( XXXX ) XX/XX/XXXX with investigation completed XX/XX/XXXX and submitted ( XXXX ) XX/XX/XXXX with investigation completed XX/XX/XXXX. 

TransUnion sent a copy of my credit report showing no dispute information. 

TransUnion CEO was unresponsive to my letter sent XX/XX/XXXX requesting verification that XXXX had been provided my disputes and to provide to me feedback from XXXX in response to my disputes.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America closed my business Checking Account in early XXXX and told me that the balance would be sent to me when closing was complete. Apparently there has been an ongoing investigation in the account concerning a couple of wire transfers since XX/XX/XXXX that has held up the disbursement of the funds in this account. The current amount in the account as of the XX/XX/XXXX statement is at {$5800.00}. The wire transfers holding up release of the rest of the funds is {$3000.00}. Since then I have called several times and have been told by Bank of America that all the funds are being held up due to this investigation which is now almost 6 months old. Also the {$3000.00} is no longer technically in the account. It was transferred to a business client for services that the funds were sent by the consumer in the first place. Finally Bank of America gave no warning of the accounts closing and always are vague in their responses to questions.

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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Never received a written letter about a debt until few months ago I saw a credit report change from TSI. 

I asked XXXX XXXX to validate if the debt was real. 

I received a letter around XXXX that the debt was valid. 

I sent an offer letter for a certain amount to payoff the debt to TSI. The letter was sent early XXXX. 

I received a call around middle of XXXX from a TSI agent that the offer was accepted for XXXX. They said I would only be able to pay over the phone as the automated system would force me to pay the full amount. I asked to be sent a written letter about the offer being accepted. They agreed to do so and that I can pay once received. 

Several weeks go by. I call XX/XX/XXXX to inquire about the letter. This new agent says that the previous agent I spoke to agreed to the XXXX but they were in a different department and that they wont be able to accept the XXXX offer. I asked to be transferred to the correct department and the rep refused stating they wont transfer me. I asked what happened to the letter, and the rep said they dont send letters to offers not accepted. 

I asked why I never got a response from my mail I sent on early XXXX since they did receive it since they agreed on the enclosed amount, and the rep said they dont response to letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
My card was charged by cashapp without my permission. I asked about the charge and they mentioned that it was money from a month ago charged by XXXX, however it was not XXXX, it was illegally removed from my account. No record of anything they are saying. They just took out XXXX dollars and they are continuing to take more, little by little.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX at XXXX XXXX After viewing my Equifax Credit Report I found information that was inaccurate and incorrect. 
Equifax Confirmation # XXXX Here is 5 years later and after viewing my Equifax Credit Report XXXX # XXXX XX/XX/XXXX the same inaccuracies still are reporting incorrectly.

Company response to consumer: Closed with explanation