vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I'm filling this complaint against the following companies XXXX XXXX and Choice Recovery. It all started when I apply for a loan I discovered this fault information reported by this XXXX companies on my credit file. I contacted the company in writing asking for debt validation they ignored my request. I hired a law firm to work on my behalf they also ignored my lawyer request those companies thinks they're above the law. XXXX XXXX and Choice recovery has a history of fraud. I was in a car accident in 2018 my insurance company paid XXXX XXXX  in full for both of my XXXX  XXXX. My lawyer has all the evidence I don't own either of this companies a XXXX. These fraudster 's has damage my credit I plan on seeking legal actions against both of them. I attached all the letters from me and my XXXX that was sent out to the companies and the credit bureaus. 

XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER for Choice Recovery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed FTC XXXX. The option selected was Identity Theft ; and my TD Bank account ending in XXXX was XXXX of the accounts that the suspect, XXXX, is still attempting to take over. 

Well, now, what XXXX has gone ahead and done on a repetitive basis is switch the debit card or the sim on my card in the midnight hours while I'm sleeping. Every time I leave my wallet in my XXXX XXXX unit, XXXX, he continues to trespass and go into my wallet there, XXXX XXXX XXXX XXXX, XXXX, FL ; or at my Mom 's apartment, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. Each time XXXX and his team players switch my card, the history becomes " new '' again. So, as of today, I have NO WAY of looking back to anything that is older than 60 days ; and my account was opened by " me '' in person with Bank Employee XXXX back in XXXX of XXXX. 

With that said, there's currently two problems with XXXX different company/organizations. One problem is with the XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. So far, for my XXXX High School Anniversary ( Reunion ) that's taking place XX/XX/XXXX I have paid the {$50.00} Membership Renewal Fee, {$10.00} Registration Fee, and {$35.00} Luncheon Fee. This week, I authorized the Staff Helpers to run my card for {$150.00} for one hotel night, XX/XX/XXXX -the XXXX. Upon doing this, I decided to place the email in my XXXX XXXX Society inbox folder that I created for XXXX. When I clicked on the folder, I noticed the " receipt '' for the XXXX was missing. So, I attempted to look for it via the SEARCH icon in my inbox, and there was no history. Therefore, I emailed XXXX at XXXX regarding this matter and asking her to email me the receipt again. Then I went into my TD Bank online account and pulled up the history ( 60 days ) and the amount {$35.00} came up as cleared. So, I took a screenshot of that and emailed it to XXXX. Yesterday, XX/XX/XXXX, I called the Organization and informed them about the emails and how it's okay to run my card for {$150.00}. 

Well, today, the card still has not been ran and I perceive I'm dealing with a fictitious online account. This is why XXXX continues to tell everyone I'm spending his money and I'm really not! I'm spending money I deposited. The deposits are coming from my self hard earned money. So, if that's not the case, why is he busy trying to steal my luncheon ticket, and pretend he's paying for a hotel room when it's me? Also, why is my XXXX XXXX transaction missing for {$32.00}? I did not make XXXX  transactions with XXXX XXXX on XX/XX/XXXX. I placed an online order for XXXX transaction that contained XXXX items in it. Who deleted the {$32.00} and made it XXXX separate transactions? Since when does that take place?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: CA

Complaint narrative:
in accordance with the fair credit reporter act XXXX  acct # 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 states a consumer reporting agency can not furnish your 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 2022-05-05 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:
On several occasions I have requested that Experian update my credit report to reflect that ALL of the entries on my credit report, prior to XX/XX/2022, were part of a recent bankruptcy. 

However, Experian has not only chosen to update my credit report with the bankruptcy, which in and of itself negatively affects my credit report and score for XXXX  yearsbut they have also allowed each of the accounts included in the bankruptcy to remain as a separate and distinct entry on my report, which is nothing short of double jeopardy in how it affects my credit report and score. 

Experian is intentionally causing a misrepresentation of my credit report and artificially deflating my credit score in order to prevent me from being able to positively rebuild my credit profile. 

This action on the part of Experian only benefits them and the corporations, landlords, bankers, mortgage companies, car dealerships, etc., who subscribe to Experians consumer-exploitive membership. 

Experians deceptive practices will all but ensure that the wealth disparity continues to grow and the chasm deepens for those who are trying to start over and become better stewards of money and creditall while Experian and their corporate clients line their pockets with the monetary benefits of suppressing the underserved population.

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 2022-05-05 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: FL

Complaint narrative:
Here are the inaccuracies I have identified : Account Name : XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX XXXX A ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : XXXX is reporting an opening date of XX/XX/XXXX while XXXX is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: FL

Complaint narrative:
Here are the inaccuracies I have identified : Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : XXXX is reporting an opening date of XX/XX/XXXX while Experian is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, 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 non-monetary relief
Consumer complaint received 2022-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX i received a packet from Bank of America which included a credit card in my name and the account was opened and already had a {$59.00} dollar fee on the account. I did not fill out an application for this card. A letter was enclosed saying that they received 2 applications from me and approved only one and deleted the other. I called Bank of America and told them that i did not apply for this card and it is fraud. They closed the account and i cut up the card. I pay a fee to XXXX to monitor my credit, I also had my credit locked. This means if i even apply for any loan it will be denied because of the lock on my account. Although XXXX caught the inquiry and flagged and deleted it, the inquiries still went on my XXXX and XXXX credit report as a hard inquiry. I called XXXX and XXXX to get each of them monitored to let me know if any inquiries come from now on. The inquiry from Bank America happened on XX/XX/2022. Bank info who made inquiry is Bank of America, XXXX XXXX XXXX, XXXX XXXX Tx XXXX. Their phone number is 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 2022-05-05 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: CA

Complaint narrative:
in accordance with the fair credit reporter act XXXX acct # 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 states a consumer reporting agency can not furnish your 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 2022-05-05 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: CA

Complaint narrative:
in accordance with the fair credit reporter act XXXX  acct # 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 states a consumer reporting agency can not furnish your 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 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an attorney and have worked with consumers in foreclosure for more than 20 years. I took out a covid forbearance with Suntrust in XXXX. I tried desperately to get out of the forebearance begining in summer XXXX. Suntrust made it nearly impossible for me to get out of the forbearance. It was absolutely, crystal clear that Suntrust had scripts or talking points that induced or forced people to stay in forbearance. It took me month after month and dozens of phone calls before I could finally get out of forbearance and start making my payment. Here is an example of the dialog : Me : " I want out of forebearnce '', Suntrust : " I'm sorry sir, you can't get out of forebearance because your account isn't current. '' Me : " How is my account not current if I'm in forebearance? '' Suntrust : " It's the escrow that isn't current. '' Me : " Just tell me what I need to pay no, so I can get current and get out of forebearance. '' Suntrust : " We can not calculate that amount. '' Finally, after months, I get out of forebearance. I try to start making my regular monthly payments, but Suntrust can not tell me what my monthly payment is because they can not calculate what the escrow is. I ask to pay more in order to just keep my monthly payment current. 
Critically, during the entire period I'm in forebearance Suntrust has disabled my online account access so I can not see anything. Fast forward to XXXX, i get service transferred to Truist. It takes me God knows how many phone calls and hours on the phone with Truist to finally get autopay set back up so i can start making my payments again regularly and they start taking payments. Now on XX/XX/XXXX I get a letter, dated XX/XX/XXXX that states, " Recurring payments have been deleted from your loan as of the date of this letter. '' I can not login into my account and make a payment.I 've been on the phone now with Truist for 45 minutes and transferred around multiple times, but noone can figure out why my automatic payments have been deleted, and why my account has been disabled. I RECEIVED NO PRIOR NOTICE THAT AUTO PAYMENTS HAD BEEN " DELETED '' AND NO NOTICE THAT MY ACCOUNT HAD GONE MORE THAN 30 DAYS DELINQUENT.

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 2022-05-05 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: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I have reached out to Contract Callers several times about removing the collections on my credit report. They assured me over the phone that if I paid the remaining balance that they would immediately remove the collections from my account. However, it is still sitting on my XXXX report. I called them to make them aware of the situation, and they told me to send screenshots and that they would remove it. That was almost a month ago and it is still on my report. I would like for them to honor what they said and remove this collections account from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: PNC Bank N.A.
State: IL

Complaint narrative:
I submitted a complaint to PNC Bank , National Association through my states attorney generals office around XXXX of XXXX. PNC Bank , National Association responded to my complaint 3 months later. With that being said PNC Bank violated section 1022.43 ( e ) ( 3 ). I have record that PNC Bank received my identity theft packet around XX/XX/2021. PNC Bank did not notify XXXX and have the information deleted from my credit report that is the result of identity theft. I am demanding PNC Bank notify XXXX immediately to have the information deleted due to the violation of the regulation referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Theres multiple mistakes on my report that causing damages to myself and my family. Making our lifestyle more difficult. I reported multiple times that my personal information is wrong. Theres 4 names on the account. 5 addresses. And one employer thats incorrect and I had multiple jobs in my life. My credit report is only showing one where Ive never worked. Im not sure why its even on there

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 2022-05-05 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXXtransunion has me at a score around XXXX. 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 non-monetary relief
Consumer complaint received 2022-05-05 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX  depressed now.with no help.

Company response to consumer: Closed with explanation