vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX found that XXXX XXXX XXXX XXXX XXXX was inaccurate and removed the accout. XXXX and Experian is still reporting the account which is in violation of my rights.

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 2022-07-12 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: WI

Complaint narrative:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am trying to reach a settlement amount on a credit card that I have had for about 4 years. During covid I lost my job and got behind on payments. I then called in XX/XX/2022 to get a settlement amount for my {$10000.00} balance. They were willing to settle at that time at {$5000.00} but I only had {$3500.00} available. They then enrolled me in a 0.99 % program where they would reduce my interest rate and set me up on a payment plan. I have been making my payments regularly so I am now down to a {$7500.00} balance. I have called discover multiple times in an attempt to settle on my account due to unforeseen circumstances. I recently got pregnant and need a home to live in and grow my family. Part of that has been an effort to clear all debt off of my credit report. After multiple attempts, discover stated that since I am enrolled in their " permanent program '' I am not eligible for a settlement amount. I was never told this before I enrolled in the program. I never signed anything to enroll in the program. It was a verbal agreement which I would not have made if all terms and conditions were disclosed to me including the fact that I would not be eligible to come to a settlement while enrolled. I have left multiple complaints with phone representatives and it has gone no where. I even had a representative say to me " I can submit a complain for you but they're probably not even going to answer it or do anything for you ''. I would like to come to a reasonable settlement amount with discover financial to remove this debt off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX EMPLOYER : NOT APPLICABLE Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-12 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: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter to credit bureau that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunately, credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of this investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent.

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the info from the reports including complete removal of the account.

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 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank ERRONEOUSLY charged me a " lender placed '' Hazard insurance premium in the amount of {$3800.00}. 

After receiving letters from Truist asserting that I had no insurance on my home from XX/XX/XXXX - XX/XX/XXXX, I contacted Truist and spoke with 2 representatives ( 1 call was on XX/XX/XXXX & the other call was in XXXX XXXX ) trying to clear up this error. On both occasions, the reps conferenced in XXXX XXXX and were told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. On both occasions the XXXX XXXX reps sent declaration pages as proof to Truist. 

After speaking with a Truist rep on XX/XX/XXXX, I sent an email to Truist providing all the documentation Truist needs to resolve this issue to ( XXXX ) and attached the following documents : - XXXX XXXX declaration pages- PROVING I had insurance from XX/XX/XXXX through XX/XX/XXXX - XXXX XXXX declaration pages - showing new coverage from XX/XX/XXXX through XX/XX/XXXX ( Date issued XX/XX/XXXX ) - Recent charges from my Truist account showing the erroneous charge of {$3800.00} I spoke to a third Truist rep on XX/XX/XXXX and was advised my email was received on XX/XX/XXXX, but the only attachment that was uploaded in the Truist system was the XXXX XXXX declaration pages showing new coverage from XX/XX/XXXX XXXX. The other 2 attachments were not uploaded. When I explained the issue ( yet, again ) the Truist rep conferenced in XXXX XXXX and was told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. The Truist rep requested the XXXX XXXX rep send proof to Truist. I was told to wait another 5-7 days for the proof to be received and processed. Why should I believe waiting another 5-7 days a third time will get me results the first 2 times did not? 

I have wasted 45 minutes per call a total of 3 times contacting Truist to get this resolved and I am done wasting my time. I am not sure if the issue is because my original mortgage was with BB & T and Truist assumed those mortgage loans, nor do I care. 

I have attached XXXX XXXX Declaration pages proving I had insurance from XX/XX/XXXX through XX/XX/XXXX and recent charges from my Truist account showing the erroneous charge of {$3800.00}

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a checking account and debit card with Randolph Brooks Federal Credit Union. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX  ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX ATM that said it accepted deposits, which was a XXXX XXXX XXXX XXXX ATM attached to a XXXX branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. I entered my RBFCU debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. 

I went to the XXXX XXXX branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted RBFCU by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with XXXX XXXX because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at XXXX XXXX over the phone, who also told me that they need RBFCU to initiate a claim with them to start the process of returning my funds to me. 

So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the XXXX XXXX ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because RBFCU is refusing to help me or coordinate with XXXX XXXX in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX woman XXXX : XXXX XXXX has sent multiple negotiable instruments monthly to Discover Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. 

In XX/XX/2022 I also sent an affidavit to Discover in which it was not rebutted point-by-point as they never responded. 

With my XX/XX/2022 remittance coupon, I've sent a notice to Discover informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Discover ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. 

In additional, Discover has also charged me an interest fee of {$130.00} and decreased my credit card limit as the account was orginally opened with a beginning balance of {$15000.00}. 

Discover has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination. Discover has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. Discover also refused to accept my Negotiable Instruments as payment but never returned any of the three negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. 

Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603. Discover has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX EQUIFAX XXXX ( 1 ) XXXX XXXX XXXX bought my debt and also since reopening this account on my credit report the the balance increased.Wviolation under 15 US CODE 1692c ( 2 XXXX XXXX XXXX XXXX XXXX did not have my authorization to run my credit ( 3 ) XXXX XXXX XXXX  Did not have my authority to run my credit. 

( 4 ) XXXX XXXX XXXX did not have my authorization to run my credit. 

( 5 ) XXXX XXXX Did not have my authorization to run my credit. 

( 6 ) XXXX XXXX did not have my authorization to run my credit. 

( 7 ) XXXX XXXX XXXX was not authorized by me to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
After months of disputes and an attempt to settle the balance with the merchant, and successfully paying off an agreed settlement offer, the merchant went back to my credit reporting agencies and removed my closed account status and reopened it, replacing the CLS ( CLOSED STATUS ) with a CO ( CHARGEOFF STATUS ). 

In XXXX I took advantage of the settlement offer, paying a little more than {$300.00} towards the balance to have it closed out. I was advised by the Bank XXXX XXXX XXXX merchant XXXX Recovery Department representative XX/XX/2022 that after paying off the settlement, their institution would send a CLOSED status update to my credit reporting agencies. I proceeded with this offer and ended up paying off the settlement earlier that I had agreed to do. My 1st 2 payments were XXXX and XXXX. In XXXX I paid the rest off to close out my settlement sooner than scheduled. 

During this time I continued getting Chargeoff STATUS updates on my reports. 

On XX/XX/2022, Bank XXXX XXXX finally updated my reporting agencies with my completed settlement status. 

On XX/XX/2022, I received a XXXX XXXX  increase on my credit score due to this settlement update, with a CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX for this merchant. 

Exactly 4 weeks later, on XX/XX/2022, I received a XXXX XXXX  decrease on my credit score due to Bank XXXX XXXX reupdating my credit report by removing the CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX. 

I reached out to Bank XXXX XXXX about this and their supervisor would not articulate why they did this. Rather, he tried to spin circles around me with excuse after excuse that it wasn't their fault. XXXX XXXX claimed that the above half of my credit report for this merchant was correct and that the bottom half of the report which showed the history of payments, although incorrect, wasn't important and wasn't their fault and that I needed to submit a dispute with my credit reporting agencies, eventhough I already had done so to begin with, which is what caused this mess in the 1st place. 

CONCLUSION. 

This account is CLOSED, and the merchant submitted an update in XXXX to reflect this fact. They then went in a 5 weeks later and reversed their update from CLOSED, and slammed me with a " MISSED PAYMENT '' for XXXX which dropped my score! 

THIS IS FLAT OUT WRONG AND NOW MY CREDIT WAS RUINED BECAUSE OF THEM EVEN AFTER PAYING THEIR XXXX SETTLEMENT!

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 2022-07-12 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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