vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have two fraudulent injuries reporting on my transunion credit report which are listed below I didnt not apply or authorize these inquiries. 

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 non-monetary relief
Consumer complaint received 2022-06-09 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: CA

Complaint narrative:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these information not later than 4 business days. 
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 non-monetary relief
Consumer complaint received 2022-06-09 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: CA

Complaint narrative:
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 account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
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 non-monetary relief
Consumer complaint received 2022-06-09 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: HI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 2022-06-09 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: HI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 : 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 2022-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
In order to earn the {$300.00} bonus, I opened a new personal life XXXX XXXX XXXXXXXX in Regions Bank in XX/XX/2021. I carefully met all the requirements set up by Regions Bank. For some reason, I have not received the bonus, yet. I called Regions Bank and was told that I only fulfilled XXXX XXXX requirements and failed to meet the XXXX XXXX  My question to Regions Bank is : How should I miss the XXXX XXXX when I opened the XXXX checking account especially when I wanted to earn the bonus? The fact is Regions Bank lied and tried not to give the bonus to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/2022, I paid off the full balance of my credit card. I knew I would have some accrued interest that would still need to be paid when my statement cycled. I logged back into the credit card website on XX/XX/2022 and there was an interest charge of {$21.00} and I submitted a payment to bring the account to a zero balance. Today, I receive an email with a new statement showing I have a new balance of {$2.00} and this is due to a " minimum interest '' charge. If I have paid the balance, went back and paid the interest posted, do I have more interest due? Not only that but a " minimum amount '' to pay. How does anyone ever get the credit card balance to zero and stop accruing interest? 

I looked at the website today and see that the statement cycle says XX/XX/2022 but that was not reflected on the website on XX/XX/XXXX when I paid off the balance. Instead of a minimum interest charge, how about automatically waiving an interest balance under {$2.00} so the account can finally get to zero? It cost more for me to call them to dispute the charge, which I did and received credit for, than if they had just done it in the first place. But I guess another way to look at it, is all the people who just pay it and move on and how much more money they just made because of that. What a very UNFAIR practice and way to do business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have two fraudulent injuries reporting on my Equifax credit report which are listed below I didnt not apply or authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint highlights Chase 's derelict of duty of protecting their Customers from malicious & fraudulent charges as well as fiscal harm. 
I'll reiterate and continue to reiterate until a satisfactory resolve is reached. 

I did Not authorize the additional charge of {$200.00} I did Not have or encounter any major or minor accident or incident while the vehicle was in my possession. 

I do have an eye witness that has testified to the facts above and I will not be cheated or swindled from the XXXX XXXX In Question or Chase Credit Card services. 

I am prepared to take this matter through our judicial system if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
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 account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my reportXXXX 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 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: NV

Complaint narrative:
reported a false balance of XXXX owe on my credit report XX/XX/2022. Cant prove to me the original contract. This company has harass me about fabricated debt I not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Frost Bank opened a fraudulent checking account. I contacted them and was told account has been frozen or closed. They have charged me a monthly fee anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2022-06-09 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  Account, XXXX XXXX # XXXX, XXXXXXXX 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 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 an 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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had made multiples complained to during the past 3 years to Experian, XXXX and XXXX about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all XXXX  credit bureaus. Please get all the wrongful information deleted from my records. Thank you

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 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
disputed numerous times, requested information showing proof that the debt belonged to me and the debt collector will not send proof. this collection does not belong to me and is effecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have tried to fix the situation with this company multiple times with Fair collection & outsourcing. This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding Fair collection & outsourcing to properly remit 1099c so that I can properly file my taxes. I am demanding that fair collections & outsourcing send me a copy of the 1099c b for the debtor documentation that Fair collection & outsourcing has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which Fair collection & outsourcing has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that Fair collections & outsourcing is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.

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 2022-06-09 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: CA

Complaint narrative:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6700.00}

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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC
State: TX

Complaint narrative:
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; I am a living man and I have the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what SPIRE RECOVERY SERVICES is doing by demanding I owe an alleged debt. I do not have a contractual obligation to SPIRE RECOVERY SOLUTIONS as I have never signed a contract with them nor gave them consent to have any of my private information. SPIRE RECOVERY SOLUTIONS are not compliant with the GLBA because they failed to send me the required notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have just been informed by mail that US Bank wants to charge me an annual maintenance fee of {$30.00} for a traditional IRA that only made {$14.00} interest last year. They are charging this amount as the IRA is under {$25000.00}. I asked to cash it out and they said that they would charge me {$230.00} to do that. My husband and I are XXXX XXXX living  just above the poverty line and {$230.00} is a huge amount to us. Are banks able to do this to us? This account was transferred from State Farm bank as they do not do banking anymore and we never had any problem with them. We have had the account with State Farm Bank since 2006. When this account was transferred to US Bank we were not informed of any maintenance charges or that there was a withdrawal fee. I feel that we are being DISCRIMINATED against as it is a small account. They do no maintenance on the account and even if they did everything is computerized so that hardly justifies any maintenance charge.

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 2022-06-09 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing erroneously put a debt on my credit report that had been settled two years earlier with another company. 

I have no business with Convergent. How can a company simply put something on a credit report that is not accurate?

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