vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2022 two charges totaling {$1000.00} were fraudulently deducted from my checking account. The charges were not caught by any kind of automatic protection, even though I have never spent anywhere near that amount before. 

I immediately filed a police report, reported it to the bank, and cancelled the debit card. 

The bank, Truist, says the transactions appear to be authorized and will not refund them.

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 2022-04-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Card date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

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. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXXhas violated my rights. 
XXXX Account # XXXX has violated my rights 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 an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-04-18 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: NC

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. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights 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 an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 explanation
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
About XXXX months ago was my last complaint about this company. In that time the situation hasn't been resolved. The intentional delaying, threats and dirty tricks haven't stopped. I called them and they wanted the XXXX payment to even send the paperwork. That's fair i suppose. So it was payed. The re-modification documents finally arrived by first class mail after about 14 days. There was no reason they couldn't be emailed but whatever. I notarized them and sent them back by XXXX then the waiting game started. it took about 20 days before i was told by email to call in to discuss a problem. There is no reason why the so-called problem couldn't be told to me by email so i could address it immediately but again whatever. It took a week to get through to anyone. Calling there requires 30-40 minute hold times. Even if you have a direct number and extension it goes through a main line. When i finally spoke to someone they claimed the date couldn't be read so i had to send the documents again. One number in XXXX  was kind of dark because of the pen i was using so they rejected the documents. It is ridiculous and this is another delaying tactic. 
I sent the documents again and more waiting. After hearing nothing for weeks i called in and they claimed they were waiting for another payment. I don't believe and have never believed these people had good intentions or intended to honor the law or any of these agreements. Just like when they bought this account they delayed and played dirty tricks so they could seize my house and make big profit since everyone knows debt collectors pay pennies on the dollar on collection accounts. There needs to be an investigation into this company to see if they have defrauded or attempted to defraud others out of their property. When they originally received the agreement documents the payments were up to date but they dragged their feet to have an excuse to pull some more dirty tricks. I am XXXX XXXX XXXX and wanting to give this house to my son so he can enjoy it but this company is intent on making my life XXXX XXXX XXXXXXXX so they can ruthlessly steal from me and line their pockets. Because my family is here with me we are all living this nightmare. I have even more trouble because XXXX hackers stole my money out of my bank account and i haven't been able to get it back at this time. My son is reluctant to pay this debt for me unless he has assurances that his money will not be taken and they take my house anyway. The question i have is why wasn't the re-modification finalized after they had the payment and the documents 3 months ago. Why delay and then claim somehow this is my fault and im still defaulting on payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

( 1 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 2 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 3 ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction 15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

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 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
As of XXXX XXXX, There is a XXXX ( original creditor ) debt of {$5400.00} that has been continuously removed and then added onto my credit report time after time. The account has been found as fraudulent and removed. Then the company who bought the debt, SOURCE RECEIVABLES M, has removed and added the debt the same day numerous times. It has affected my credit score dropping it XXXX points every time this is done. I have disputed this with the company and the credit bureau. I want this debt removed permanently from my credit report as it is a fraudulent account affecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
I have XXXX collection notices from Grant Merch. The submission dates were XXXX, XXXX. Grant refiled the accounts to XXXX to represent that they were new starting XX/XX/XXXX. This was purposely done to ruin my score, allowing the entries to remain on my accounts an additional three years in a violation of the Consumer Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
Hello I received a Prosper credit card in the mail on XXXX XXXX. 

I called on XXXX XXXX to activate the card. I was unable to speak to anyone. I received a recording that stated can not process your transaction at this time. I was able to activate the card through the app. 

I then called agin on XX/XX/2022 and today XX/XX/2022 and still received the same message can not process your transaction at this time. 

I need to speak to a live person regard this matter. I just got this card last Tuesday and I notice I have several late payments and this has been report to the credit bureau. 
I dont understand how this was reported as I did not have the card until last week. 

I need this matter resolved quickly. If not I would have to contact the XXXX and the Federal Trade Commission as I did not have possession of this card until XX/XX/2022. My credit has been affected by this negative reporting. I should not be penalize like this when I did not have the card nor did I make any purchases. 

Please contact me as soon as possible so we can resolve this matter. 

I receieved an email back from Prosper Credit card stating that this is their common practice and there is nothing they can do. I have to make a paymeent to bring this account up to date. I should not have to make a payment for late fees when I did not have the credit card in my possession. The balance owed for active free and late fees is {$110.00}. 

I should not have to be responsible for a credid card that I recived three months later. This is just wrong and bad customer service. I never activated the card until XX/XX/2022 after I received it onXX/XX/XXXX 

This complany is a scam and I need this mater resloved. I no long want this credit card and I want them to fix their negative report to the credit bureau. 

Thanks you very much in advance.

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 2022-04-18 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: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I reached out to BMW advising of a hardship due to COVID-19 Pandemic and needed a deferred payment to allow me to stay on track and continue to make payments on time. Through the whole process I stayed in constant contact with BMW letting them know i would do my very best to become current. BMW said its no problem we will help you out during the pandemic as long as you " stay in contact and continue making a best effort to pay the loan. '' which i did. i was able to pay the loan balance down and with further conversations they stated if i was able to sell/pay the entire loan balance they would change payment history to reflect XXXX missed payments. on XX/XX/XXXX i sold the car and paid the entire balance in full. i was again told that's great we will " take care of that on our end '' however now on XX/XX/XXXX i am still reflecting late payments which are hurting my credit report almost beyond repair. Knowing how this turned out i wish i never sold the car considering it didn't change anything and i was being as genuine, Honest, and upfront the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: IL

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

XXXX XXXXXXXX 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 2022-04-18 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: IL

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

XXXX XXXXXXXX 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 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
I am writing to express my disbelief in the methods your organization employs in determining late payment fees accounts. As is evident in the screen shots below, I opened a revolving account with your institution in XXXX. I used the account on XX/XX/XXXX and paid the account balance off on XX/XX/XXXX. When I looked at my statement the amount paid {$660.00} exceeded the amount due of {$35.00}. It appears that I am being penalized for making a large payment and that payment is not taken into consideration if paid before your statement is created.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 explanation
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2022-04-18 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: CL Holdings LLC
State: AL

Complaint narrative:
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 response to consumer: Closed with explanation