vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My son works for a small business and has received paper checks XXXX. He signs check to me, I sign and deposit in my checking. I help him with his childcare and expenses. We deposited another paycheck for {$700.00} ( with business LLC + phone on check ) into my checking via ATM at local branch on XX/XX/year> as usual. Bank added XXXX to account, held XXXX - as usual - until next business day - XXXX. On XX/XX/XXXX I received an e-mail that they are " delaying the availability of XXXX '' " This delay has been effected because we believe the check may not be paid for the following reason ( s ) : WE HAVE CONFIDENTIAL INFORMATION THAT INDICATES THE CHECK MAY BE RETURNED AND MAY REQUIRE AN ADDITIONAL REVIEW. '' On the XXXXXXXX XXXX my son asked his boss if the check had any issues. His boss showed him on his phone that the check had cleared his account. 
My husband called the bank on Thursday when the funds still were not in the account and it was at risk of overdraw. The person and supervisor reference some paragraph in some document that 'they have the right to hold funds for 7 to 10 days '. The check having cleared YET THEY CONTINUE TO HOLD THESE FUNDS FROM US FOR ANOTHER 7-8 DAYS!!! These fund are due to become available to us on XX/XX/XXXX- which is OBSCENE and should be illegal. Fortunately we have means but if we didn't - this would've been catastrophic! I feel any family without our options who are subject to this!!

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 2024-02-17 00:00:00
Product: Credit reporting 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:
To whom it may concern, My information was sold and bough illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts 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 2024-02-17 00:00:00
Product: Credit reporting 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:
To whom it may concern, My information was sold and bough illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management
State: MO

Complaint narrative:
'm disputing this account with Plaza Services, I do not owe the debt with XXXX XXXX XXXX nor was I made aware of this account from this company. I did sign a contract with this company nor have they contacted me about this debt before placing it on my credit report which is against the law. I have the right to dispute any debt and they went against that. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 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. This company did send a validation debt letter or send me a letter about the debt prior to putting this on my credit which is against the law. I have also compalined over 30 days ago to the XXXX  about this company and they still have failed to provide any proof or failed to investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
I called this attorney 's office several times regarding two credit cards, Discover and XXXX XXXX, I told them I have no job and I'm XXXX and live on Social Security and I am saving to file XXXX XXXX Bankruptcy. This has been almost a year, and every other month I get court documents of this attorney 's office trying to sue me. This has been ongoing, and CFPB is NOT protecting me against a predatory collection attorney. I owe 4 years on my car, and I rent a room from my ex husbands home. I have no money for legal, my social security barely pays my living expenses. I have a XXXX protected by the Americans with XXXX Act. I need them to stop HARRASSING me. 

XXXX XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reviewed my most recent credit report from equifax and I noticed inquiries that does not belong to me. After reaching out to the creditor I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditor agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an Experian Credit alert that my score had dropped XXXX due to a late payment on my XXXXXXXX XXXXt loans ( 4 accounts ) in XX/XX/XXXX payment. I contacted the Creditor and they never reported me late as 1 ) all payments are on ACH 2 ) they only report at 60 Day late in their system 3 ) I provided Experian with my monthly statements showing no late charges or payments were late and the accounts were current at that time. Experian was the only Credit Bureau that reported the information. I filed a dispute immediately and as of XX/XX/XXXX they corrected the error. However, they would not correct the drop of XXXX points on my credit score due their mistake and claim it is indisputable with Experian

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 2024-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I opened up a loan with Santander in XXXX. XXXX of XXXX. Since then I've been paying the payments on it which were {$510.00}. At times I have paid more than that. I just pulled up my XXXX XXXX bill pay records of the past 2 years and this year and it states that I've paid {$14000.00} the past two years towards this car. But they're telling me that I still owe {$6000.00} and the loan is supposed to be up in 3 months! And I've been making bigger payments! I see that Santander has had numerous lawsuits on them. I think they ripped me off!. My car is supposed to be pay off in 3 months and it says I still owe them XXXX grand? And I've been making bigger payments. I got the documents from XXXX XXXX stating how many payments I made this past 2 years.. I think this company ripped me off. They're saying the loan amount was {$23000.00}? That loan was over XXXX grand when I signed those papers at the dealership in 2017. And I paid {$14000.00} the past 2 years? Something's wrong here

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
THIS IS WITH TRANSUNION, TRYING TO REMOVE A DEBT THAT IS DISMISSED AS NOT OWED, BUT THEY REFUSE TO REMOVE IT 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
XXXX XXXX XXXX has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXXXXXX XXXX who so called investigated and stated they will make the adjustments back in XXXX of XXXX  when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXXXXXX XXXX who so called investigated and stated they will make the adjustments back in XXXX of XXXX when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX a debt for {$580.00} showed up on my credit report from a company called LVNV funding. I received daily notifications of mail comes to my house through the US post office called informed delivery. Ive never seen a letter come to me from this company, telling me that theyve purchased a debt or that I have a debt or how much I even owe a debt for. It just showed up on my credit report and lowered my score by XXXX points without giving me the opportunity to pay it dispute it or even know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After applying for a mortgage i observed several inaccurate information on my credit file. I have written several letters requesting and investigation and that these inaccuracies be fix or removed. 
I continue to get the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After applying for a mortgage i observed several inaccurate information on my credit file. I have written several letters requesting and investigation and that these inaccuracies be fix or removed. 
I continue to get the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is against Wells Fargo Bank. When one is experiencing identity theft, there is tremendous stress involved. And this can require several hours of work each day. Very aggravating when the identity theft was created and caused by a XXXX XXXX XXXX XXXX XXXX XXXX. And to make matters even worse, when everything was put in place to prevent what Wells Fargo allowed to happen- specifically my Retirement Savings drained- as I had all accounts deactivated and disabled????? 14 months thus far, back and forth with Wells Fargo. In dealing with Wells Fargo, I have been passed through many departments, many Escalation Representatives, Executive Office Case Specialists, Deposit Product Support Services, Mediation Program, Claims Assistance, Executive Office ( many times ), Enterprise Complaints Management Office ( countless times ), etc., etc., etc., This entire ordeal has been very aggravating, and made much worse in dealing with such a hateful and anti- customer oriented bank such as Wells Fargo. I need a Cashiers Check mailed to me for $ XXXX which is the amount that Wells Fargo allowed to fraudulently removed from my Retirement Savings. I need ONE DEPARTMENT and ONE STAFF MEMBER to work with me for a Resolution!!!

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 2024-02-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am disgusted by Carrington Mortgage ServXXXX. My XXXX reverse mortgage was sold to Carrington and the interest rates have risen to a ridiculous amount. Also, when I try to call them, they do not recognize my loan # even though it is clearly written on their statements. It is impossible to speak with a live person for this reason. I feel they are gouging the elderly with the interest rates and it seems impossible to get help with this. I am a XXXX XXXX XXXX woman on a fixed income and unable to cope with the interest rate. 
HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc.
State: NC

Complaint narrative:
STATES RECOVERY SYSTEM.has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and F.S 817.568 ( 2 ) ( a ). STATES RECOVERY SYSTEM is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Capital Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX and Paramount Capital Group on the date XX/XX/year> accessed my credit report to see if i would qualify for a {$5000.00} loan for a XXXX XXXX XXXX. Upon review they ended up pulling a hard inquiry on my report that affected it by XXXX. Mind you this was also with a co-signer with good credit report and they still denied me approval and damaged my credit substantially.

Company response to consumer: Closed with explanation