vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
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 this has violated my rights and I need it removed as soon as possible .

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
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 this has violated my rights and I need it removed as soon as possible . 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
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  this has violated my rights and I need it removed as soon as possible . 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
Thank you for the opportunity to express my situation... ..pI have this XXXX XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a XXXX that has XXXX and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone 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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 at XXXX I talked to XXXX supervisor ID XXXX who advised me the collection that was reported on all three credit bureaus by CCS ( collection company ) will be removed. I made the full payment to XXXX online for the amount of {$400.00} with a debt card ending in XXXX with the confirmation of XXXX and the XXXX account with XXXX. 

The XXXX operator advised me she sent a email to the debt collector advising payment has been made directly to XXXX and to remove it from my credit report. 

My name is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have a checking account with Citizens bank, I recently used them to deposit a check that had been sent to me by a family member I am not the only family member to receive this check. I used their mobile deposit option thinking I would use the feature and within 5-7 days my money would be deposited into my account. This check is for XXXX and is a big deal to me, after I used their mobile deposit feature I received a letter in the mail from citizens bank stating I would be seeing my deposit in my account on XX/XX/23, when it became XX/XX/23 I became worried and called them. They told me that they were having trouble verifying where the funds were coming from and then told me over the phone that I would not be receiving the deposit until XX/XX/23 because of verification problems, that to me was unacceptable and in some way can not be legal due to regulations on banking, after this phone call I called the person that sent the check to me they said that the funds were taken out of their out of their bank account on XX/XX/23 all XXXX XXXX after a couple more days I decided to call again because I was frustrated and wanted more answers as to why it would be XX/XX/23. I asked to talk to a supervisor and was put on hold until then I finally reached a supervisor that told me that if I was able to get a number from the other bank stating they verified the funds and that it was taken out of the account that that would speed up the process. They told me they can not cancel the check, that they do have the XXXX $ and they also stated nothing on the check was unusual. I am writing this now because even after I gave them the information from the other bank they still have not updated me about anything, they still have not called me and I do not believe they are making efforts to make this resolution come true. I am never using citizens again as I feel they are scammy and thiefs. If there is anything you can do thank you I appreciate the help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems continues to report this fraudulent debt with the XXXX XXXX  although it was disputed and deleted from my credit due to fraud. I have sent several disputes to this company to delete and it keeps showing up in other places. I am demanding this fraudulent debt be deleted PERMANENTLY from ALL SOURCES as it violates my rights and protection as a victim of identity theft. This is causing me a great deal of stress as its affecting my ability to secure housing for me and my family and if not deleted asap I will have no choice but to seek legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
When I requested the loan the interest rate was not disclosed until after the loan. The interest rate on this loan is 159.11 %. This would and should be considered a predatory loan. 

Required payments are 18 payments of XXXX. I have made 5 payments with almost none of that going toward the principal interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: VA

Complaint narrative:
I have been asking questions for months now about my score increases not being accurate on their website. It shows XXXX points each month for 3 months. When I first signed up it did not say that they didn't report to all 3 Beraus and now they are trying to get me to pay more to do so. I want my money back and I want out of this service and I am worried about my credit score. You can't talk to someone on the phone and no one has ever responded to my emails regarding this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been calling Citi Bank many times and for more than 2 months trying to close my Streamlined business checking account. Every time I spoke to a rep and they told me they closed my account and I would get a letter to confirm my account is closed in 5 - 7 business days but it's never closed. I have been spoken to more than 5 different reps and they told me the same thing, the last one I spoke to even gave me his ID number which is XXXX, his name is XXXX. But as of right now, my account is not closed and I am about to be charged for monthly fee again.

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 2023-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Theyve been asked repeatedly to not contact me. They continue to leave threatening voicemails. The transcript of the most recent voicemail : XXXX Deposited a new message : " This message is only intended for a XXXX XXXX XXXX, uh this compliance XXXX XXXX XXXX and contact in regards to a pending case to be filed against you. Now, by law, you must make you aware that once case number file us XXXX is filed, it will become a matter of public records and there 'll be a order of location that'll be issued for you. Now, since I wasn't able to reach you by phone, I was instructed to contact your employer and speak to the supervisor as this. Now may look like a possible place or location due to the negligence when you're in regarding the case, XXXX XXXX, you do still have the legal right to contact the office that is process in the case. But once the case discharged from that office, all legal rights are to be forfeited over the phone number here. They do provide on the paperwork to contact. That office is XXXX and this will be in regarding the case number, file us XXXX and XXXX XXXX, you are being legally notified by telephone and you'll be located less time otherwise. Thank you. '' Click here : XXXX to listen to full voice message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Last XXXX I leased my XXXX XXXX XXXX. Immediately after lease the radio and screen in the car quit working and would come on and off as I would drive. Rather than take it in for repair, I decided to continue going to work because I could not be without a vehicle. 

From there, the car engine blew on the way home one day and I was forced to have it towed. XXXX did very little make sure I was okay or had a vehicle to work with even though their new vehicle broke down on me and was fully paid. I was without my car and then also did not have a loaner until 10 days later. Due to the fact that I was forced to pay for a vehicle I did not have, I could not afford a rental car and that is what XXXX was telling me to do. Pay for a rental out of my pocket and they would pay it back. Which seems incredible unfair to the blue collared worker or someone who is paycheck to paycheck. Because of this I was forced to go without a vehicle and miss days of work because of it. 

Then in late XXXX XXXX I received my vehicle back with a " new engine ''. Upon receiving my new vehicle I was already hesitant to drive it and did not trust it enough to take it on the highway. Instantly when getting the vehicle returned I knew something was still wrong. I called XXXX every single day leading up to my car engine going out for the SECOND TIME in the middle of the road. Luckily I was able to turn the car off, then back on and get home, but never over 40mph. The following day I had the car towed and the dealership informed me they could find nothing wrong and that the memory card had no recollection of the issue and the XXXXCheck Engine Light ' had also not come on. So then I was informed to go get the vehicle once again and use it. 

When I returned to the dealership XX/XX/XXXX to pick it up, I was informed the vehicle had issues when one of the technicians drove it so my story was finally viable and they were going to keep it. Again, leaving work early and missing out on hours when a phone call could have saved everything. Simple mistake so not that big of a deal, but once again no loaner was given so I had to XXXX to work once again, taking money out of my pocket that should be XXXX 's. Now XXXX is sending out a field technician to look over the vehicle in an attempt to fix it. Mind you this has been going on for 3 months now and all three months I was forced to pay in full with XXXX not trying to help AT ALL. I have contacted them over XXXX times, maybe daily and have just now turned to the help of other organizations. My case should have been escalated long ago and this company is taking advantage of the every day blue collared worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance XXXX {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} XXXX DPT EDXXXX XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This was an unbelievable story. 

Truist Bank ( formerly Sun Trust ) ran a campaign to raise deposits, offering bonus to customers when new checking accounts are opened. I opened an account on XX/XX/2023 online, deposited {$50.00} as required via a credit card. I then followed up with direct deposits from work. But the direct deposits were denied and I was told by their Fraud department that my newly-opened account had been closed and that Truist had the right not to provide any cause. 

I have an excellent credit score of about XXXX by three major credit agencies. I do not understand why they closed the account, which may hurt my credit score. 

As to the {$50.00} initial deposit, Truist said that they could not credit it back to my credit card. They could not mail me a check either. The only way that I could recover the {$50.00} is to travel to their branch, which is about XXXX miles away. 

Is Truist Bank running a scam? They ran a campaign to attract new customers, then closed the accounts and refused to returned the initial deposits with easy and routine methods. 

The responses were terrible. I had to call 5 times to get their responses. They all promised to call me back, but no one did.

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 2023-08-02 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: FL

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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