vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
After reviewing my credit report on XX/XX/XXXX from TransUnion. I sent a dispute letter on XX/XX/XXXX. Received TransUnion credit report back on XX/XX/XXXX. With XXXX XXXX XXXX, XXXX still on my credit report. The dispute letter clearly stated all the Federal violations as listed below. 

XX/XX/XXXX -According to the CDIA ( Consumer Data Industry Association . XX/XX/XXXX CRAs are to Eliminate the reporting of all debt collections that do not originate from a contract or agreement. 
The Federal Trade Commission has taken action against a debt collection company ( s ) that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. Also known as passive debt collection, 1. Violation of H. R. 5282 SEC. 102. ( b ) Negative Information Notices To Section 623 ( a ) ( 7 ) Any person that regularly furnishes negative information to a consumer reporting agency described in subsection ( p ) or ( x ) of section 603 about activity on any accounts of a consumer held by such person or transactions associated with credit extended to a consumer by such person shall provide a written general negative information warning notice to each such consumer before such person may furnish any negative information relating to such a consumer.

2. Violation of H. R. 5282 SEC. 102. ( b ) Negative Information Notices To Section 623 ( a ) ( 7 ) -Any person described in subparagraph ( A ) that has furnished negative information relating to activity on any accounts of a consumer held by such person or transactions associated with credit The CRA 's need to be held account for this type of action.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. Experian has violated my rights 15 U.S.C 1691 section 602 A states i have rights to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written consent

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 2023-02-25 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: OH

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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : 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 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 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 2023-02-25 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: OH

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. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 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 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 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, In XXXX of 2022 I made a payment over the phone aside from my Autopay monthly payment to Kay Jewelers/Comenity Bank to payoff a promotional balance. The Agent that I spoke with on that day was very kind, and she verified with me that the entire payment was going to the promotional balance and that it would be taken care of in that moment when we made it over the phone. It is reflected in my statement as {$250.00} which was the balance that was due for that would have incurred interest if not paid prior to the end of that month. This was in addition to my {$220.00} that was to be drafted in Autopay which I did not cancel or change. I want to clarify that paid the debt ahead time and have not missed or paid under minimums to be penalized by Kay/Comenity. I got married, moved, and now that I am settled and going over finances I realized that although I did my due diligence to pay ahead of time I am being penalized as if I had not. On Friday XX/XX/XXXX I confirmed with their customer service agent that when I paid over the phone in XXXX, I confirmed that I did not cancel my autopay, and for some reason Kay did not draft that second {$220.00} payment for that month. She confirmed that Kay made an error, and that as of XXXX my promotional rate on my other balance was taken away and have been paying 29.99 %. She confirmed that this should have never happened, but she told me there was nothing she could do other than to forward it to an investigation and that there was near to no possibility of getting this reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made 2 payments by an automated phone system to XXXX credit card provided to me by XXXX XXXX. The first payment I made was for {$65.00}, after making the {$65.00} payment, I decided that I did not want to have to owe on this credit card any longer and called back within 15 minutes to make an additional and final payment of {$230.00}. When I called XXXX automated system the second time to make the {$230.00}, the system said my payment was not authorized, it did not provide a confirmation number and the phone hung up. I then decided I would just inquire later why my payment did not go through because I had gotten too busy and no longer had time to handle the matter. Later that day on XX/XX/XXXX, I checked my bank account transactions and noticed the {$230.00} had been deducted from my account. I immediately called XXXX to ask about my payment and they said they never received it. I called my bank and they said the payment cleared on their end and that it could not be disputed since I intended for the payment to take place. My bank advised me to contact XXXXXXXX XXXX to have them help me resolve the issue. I called XXXX again and they then informed me that their system will not allow me to make 2 payments on the automated system in 1 day and that is why they don't understand what happened and they do not see the payment applied. I provided XXXX with a record of my bank transactions showing that the {$230.00} was taken from my account and shows XXXX as the merchant it was paid to. By me making the final payment of {$230.00}, the card would be paid off and I can close my account. I find this odd that when I try to pay off and close my account that they claim not to have received the payment. I had the transaction on my statement. I spoke with XXXX a final time after sending them a screenshot of my bank record which shows the transaction of {$230.00} and they said they would issue me a refund by mail in the form of a check but it could take 2 weeks for me to receive it. I do not understand why I have to wait 2 weeks for a papercheck and I no longer trust XXXX XXXX or their systems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
My card was comprised on XX/XX/2022 heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting relia bank denied my dispute with no evidence how they reach that agreement I am highly upset

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 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a XXXX XXXX XXXX Account with Suntrust for 20 years. When Truist acquired Suntrust, the bank notified me that the terms of my Signature Advantage Checking Account would be grandfathered into Truist 's new product. 

Despite this commitment, I started seeing fees of $ XXXX, which I would not have incurred under the terms of my prior account. I called immediately and spoke to a Truist representative in XXXX, who informed me that I was correct that the prior account 's terms were grandfathered in, that she would credit the fees back to my account, and that I would not see the fees in the future. I thought I could rely on the bank 's representations, but the bank did not honor any of those commitments. 

I recently noticed that no amount had been credited back in XXXX and that the fees had continued. I called again in XXXX and even though the bank acknowledged that the prior representative gave me the wrong information and that she did not credit my account as promised, the bank nonetheless refused to credit the full amount of the fees back to my account. Truist has an arbitrary limit of only crediting back {$75.00} fees, and the representative said there was no process or person I could speak to in order to get a full refund. I'm seeking a full refund and Truist should have a process for others who have relied on the representations of the bank to their detriment.

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 2023-02-25 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: MA

Complaint narrative:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( XXXX, XXXX and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXXXXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

XXXX : XXXX XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX # XXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX Equifax : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXXXXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX In the amount of {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: MA

Complaint narrative:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

XXXX : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

Experian : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX # XXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXX XXXX XXXX  # XXXX Date Opened XX/XX/XXXX In the amount of {$3900.00}.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I have had an hard inquiry on my credit account that I did not have nothing to do with. That company is Target FIN/TD-PRVTE LABL ( retailer )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The claimant lost the total amount of {$49000.00} ( $ XXXX XXXX ) paid as downpayment and closing cost on XXXX # XXXX, unduly foreclosed by Wells Fargo XXXX XX/XX/XXXX. The Wells Fargo failed to provide payments coupons and total outstanding mortgage balance to the claimant. The claimant was Joint Borrower ( JB ) of the loan with his former wife as per attached exhibit # 1 page XXXX, remaining pages are available upon request, contents of which is self-explanatory On XXXX XXXX XXXX day of DEATH of former wife at overseas XXXX XXXX XXXX the claimant notified by phone to Wells Fargo Home Mortgage Loan department and requested to provide payment coupons and outstanding balance of mortgage loan to the claimant. At time of death the mortgage payment was satisfied until XX/XX/XXXX, No late payment was due. The original telephone request followed by written request as per attached copy of fax marked as exhibit # XXXX. No response received. After receiving copy of Death Certificate from Public Notary Office of Birth and Death Registration from XXXX a copy was forwarded for their record. Later served XXXX papers to proceed with PROBATE case.as per exhibit # 3 pg 1/2. No response is received. They followed the Foreclosure procedure as per exhibit # 4. This is clear evidence of their malicious and intentional behavior to harm the customers in violations of unethical business practice to increase their profits and deprive/refund the claimants rightfully amount paid. After reading on news media, the claimant on XX/XX/XXXX, contacted by phone to Wells Fargo to verify if the claimant was included on the list of receive settlement reach with you. Their customer service representative could not confirm and stated that not all foreclosed borrows are included in the settlement. Beside above mentioned, the claimant suffers losses of {$94000.00} in martial settlement due to her XXXX XXXX. All this money could have been recouped with the value of the property, only if Wells Fargo provided payment coupons and outstanding balance to the claimant in due time as requested. Their malicious intent drawn the claimant into poverty level. It is patent and behavior of Wells Fargo, NOT TO ATTEND the customer request WHEREFORE, this complaint is filled with you as Entity of consumer advocate demanding the claimants should be refunded the total lost money.

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 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/23 I tried logging into my Huntington Bank checking account, and I was unable to log in. I called the bank to find out what was wrong and they told me they closed my account due to risky transactions. I was given NO warning or notification from the bank that they closed my account. I told them that the transactions were valid and I made them but was told there was nothing they could do, it was already closed. I received an email from Huntington that my balance is {$15000.00} as of XX/XX/23. I never go negative and consistently have a high balance. I was told I would receive a check for the balance in my account. 
Later that day I called the bank again and was told by a bank representative I could make an appointment and come down to the branch and pick up the check in person. All of my income was in my account. They scheduled an appointment for me to come down on XX/XX/23 at XXXX. On XX/XX/23 I went to the branch and was told by the branch manager XXXX XXXX he would not provide me with his last name ) that I was given incorrect information and they could not give me any of my money. That apparently the account is not fully closed and he would not give me any other information. I'm completely getting the run around, different information from every person I've spoke to, and they will not give me ANY of my money. I have bills to pay and this is affecting me financially. This was the only bank account I had and I don't have access to any of my money. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a 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