vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 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: TN

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: TN

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-23 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: CT

Complaint narrative:
I place a complaint with XXXX and Equifax on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a XXXX negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: GA

Complaint narrative:
I filed for bankruptcy in XXXX of 2020. My case was discharge in XXXX of 2020. Before and up until my bankruptcy I made all of my credit card payments on time, however, when I applied for credit cards as of today, and the credit I pulled from Experian, it states that I have a bankruptcy on my credit report, derogatory payments and delinquencies and that balances on my account were late. They also that the payments were too high compared to loan amount. This is not correct. This is not correct and I do not have any derogatory payments. I called all of my creditors and Bankruptcy court and they told me nothing was late and that I would have to call Experian directly. Experian told me that this has to remain on my credit report. I am upset due to this because I made my payments on time. I shouldn't have negative, derogatory marks on my credit report because I made my payments on time. This is not fair and it is unjust. 

The information is untrue. Experian has me documented for 11 late payments which is untrue and 4 negative reporting. This information is untrue as well. The credit cards reported late are a total of 11 which are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX. The 4 negative reporting are XXXX, XXXX XXXX, XXXX, and 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 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Both my checking and savings accounts have been on hold for months now and all efforts to get help from either bank at the branch or through the helpline has prove futile. I truly need help because Im drowning in debts and late payments and life is becoming extremely difficult without my lifetime savings

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 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
XX/XX/2022 I noticed my XXXX  card was being used I tried calling the numbers listed on line was told 2-3 days for a call back I have all paperwork from then of my reaching out XXXX was taking from my XXXX  card and they wont call me when they email months later they said it wasnt in my favor I want my funds and I have proof they owe me THE COST OF LIVING IS TO HIGH IM A SINGLE MOTHER OF XXXX during these times coming out of Covid 19 and having to still beg for my funds u have no idea what me and my children went threw please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every XXXX weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I believe I have been impacted by the recent security data breaches at Transunion. 

My credit report shows inquiries that are not associated with any open accounts. 

Inquiries in question : XXXX XXXX XXXX. 3 inquiries dated XX/XX/XXXX XX/XX/XXXX and 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 explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC
State: GA

Complaint narrative:
Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). 

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: AL

Complaint narrative:
My credit was lost and being used in several locations

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 2022-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every 2 weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Auto Trakk, LLC
State: PA

Complaint narrative:
I have never applied for an auto loan with AUTOTRAKK LLC, this is a fraudulent account reporting on my credit profile which is violating my rights under Fair Credit Reporting Act 15 U.C Code 1681. This Fraudulent account is hurting my ability to obtain credit because my credit report is not updated accurately. I didn't give XXXX the right to furnish my consumer report to AutoTrakk LLC. XXXX is a third-party corporation, and I didn't give them permission to use or communicate my information with any third parties under U.S. Code1692c ( a ). I am demanding that Autotrakk be remove from my credit file immediately. 
I will be seeking statutory damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: PA

Complaint narrative:
I REFINANCED MY CAR WITH A NEW LENDER ( XXXX XXXX XXXX IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. XXXX reported my old lender account XXXX XXXX XXXX as closed in XX/XX/2021 with one late payment. Then in XX/XX/2021 XXXX reported the account opened again and reported two more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with XXXX and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, Transunion, and XXXX is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes 1XXXX is reporting two extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
2.XXXX  reported my account closed in XXXX XXXXand then reported it opened again in XXXX and added two late payments 3.Transunion is reporting two late payments as well for XXXX and XXXX of XXXX  when account has been closed since XX/XX/2021 4. Opened dates are all different for each consumer reporting agency. 
5.Transunion is reporting Account status as closed. XXXX is reporting as paid. XXXX is reporting as closed 6. XXXX is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX. 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also XXXX took more than 30 days to complete investigation and the other two CRA 's Transunion and XXXX did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : 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 2022-07-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, NJ XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXX Account # 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a late payment on my account with XXXX and it is incorrect. Ive spoken with XXXX directly and they told me to contact TRANSUNION. I have been in contact with transunion several times and still this error remains an issue on my report. It is difficult for me due to this error.

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 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I haven't checked my boa account since XX/XX/XXXX. Recently I found boa deducted my checking account {$12.00} each month from XX/XX/XXXX ( XXXX times= {$100.00} ). So I called boa several times for a refund. They told me at XX/XX/XXXX, boa changed the rule : will charge a monthly maintenance fee of {$12.00} each month if the checking account daily balance is under {$1500.00}. 
I have been using the boa debit card since XXXX, when i apply this account, Boa promised to waive the monthly maintenance fee until XXXX ( until now I am still below XXXX ). But now, Boa changed the rule in XX/XX/XXXX, only waiving the monthly maintenance fee under XXXX. So they deduct {$12.00} each month since XXXX. This rule is so unfair, they haven't notified the rule through any phone calls emails, etc, so I don't know my checking account has deducted about {$100.00} until now. Boa deducted this maintenance fee without any notification violates consumers ' right to be informed of any important information. 
I communicated with boa several times, they refused to refund {$100.00}.

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 monetary relief
Consumer complaint received 2022-07-23 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: DE

Complaint narrative:
I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE EXPERIAN XXXX OR XXXX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

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 2022-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
My credit was lost and being used in several locations

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 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Hello XXXX, I initiated a money transfer from XXXX to XXXX via western union for XXXX usd, XXXX  # is XXXX it suppose to be transfer on XXXX XXXX, however they did not transferred the money and claim to be transferred in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX I contacted them on XXXX and XXXX XXXX of 2022 and they said it will be done today bit in fact it was never transferred. also their representative said that if the transfer docent goes they will refund me on XXXX XXXX. Today on XXXX XXXX when i contacted them they denied to do refund and they did not helped me. This is very urgent transfer and they are not doing any kind of transfer or any refund also please help me sir. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Newrez mortgage lending company. They continuously send out fraud letter to their property owners. I called newrez twice in the last month for re-running my credit for a refinance without my permission after I told them on a recorded line I do not want any inquiries on my credit report and they assured me there wouldnt be. Well they lied. When I call them to dispute the matter they transfer me to a different lender every time. They are scam artist. Send between 2-5 letters a week with a letter head of a different business then add their name and number in the mix of the fine print at the bottom of the page. Im solely looking to have the hard inquiry from XXXX XXXX removed from my report.Any help would be greatly appreciated. Consumers BEWARE OF SCAM ARTIST. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance and Huffman are trying to collect a debt that what processed by identity theft. Dispute filed twice to XXXX and XXXX.

Company response to consumer: Closed with explanation