vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 2023-07-08 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Credit collection services XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX I financed a used XXXX XXXX rogue for XXXX with a monthly payment of XXXX plus car insurance XXXX was on time with the car insurance and my car note .when the pandemic came about my hours at work were shorter so I applied for liability until I I get a better job or more hours.Soon after my car was hit so I had to pay out of pocket insurance .About a year later my car got stolen.I did the right paperwork and followed every step.About 6 months later I received a letter from the finance company.I was told to pay a percentage because the car wasnt recovered.I gave up but I was still tryna pay them so I started paying atleast half and what I could. About XXXX later I was watching the news and seen my car amongst other ghost cars that was hidden and took by XXXX XXXX I called XXXX told them everything and was told my car not there. Immediately I called the finance company and I told them and they told me I still have to pay.I believe they recovered the car and still trying to make me overpay for their car I barely had. I asked to gps the vehicle they told me they took it off a year before I brought it. They were no help and rude. Lastly my car was repossessed before and I found it there when they lied and said it wasnt.

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 2023-07-08 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: NV

Complaint narrative:
In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 


XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/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 2023-07-08 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: MI

Complaint narrative:
Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.

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 2023-07-08 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:
Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: MI

Complaint narrative:
Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.

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 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: SC

Complaint narrative:
This company is attempting to collect a debt from me in the amount of {$2300.00}. I have contacted the company and requested verification that this debt was mine and they didnt provide it. I have not attended that school and have no knowledge of anything concerning this debt other than what it shown on my credit report. I have contacted the school and was unable to find out information due to not having account access to the account that was made. 
My social security number along with information was compromised and I have verified this with all credit bureaus and police department.

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 2023-07-08 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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 2023-07-08 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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Oh boy, where do I begin. 

So to start this whole nightmare off, my account was frozen for literally no reason for over a week. I could not access my money at all. Transfers were not working and online it said my account was suspended. No suspicious activity or any reason why that would have to be done.

Then I spend OVER 3 HOURS on the phone with them being transferred between departments and gaslit by one employee saying there was nothing wrong with my account and there's nothing he could do. I push him to talk to someone else because I know he's lying to my face. Well, the next person I talked to says my account is suspended but doesn't know why but I can get transferred yet again. I was on hold for hours and then what do you know, the line magically dies! I also tried to reach out on XXXX to get a response and nothing. 

I was forced to file a CFPB complaint after it became clear I wasn't going to be able to get my money. Never in my wildest dreams did I think I would have to fight this hard and lose hours and hours of my life trying to wrestle my money back from a shady bank.

I was finally contacted by someone now that I filed a complaint. By then I had figured out I could get money out of my account by making a credit card payment. I looked in my account, saw I had MORE than one of my credit card bills and paid it. It worked and I thought this whole mess was over.

I was wrong.

I get a message from my credit card company saying the payment was ACH reversed and I'm being charged a fee because of it. Now hang on... I had the money so why would they do this?

I go into Citizens and they're now saying I have insufficient funds which is NOT TRUE. 

Even if it was, they would need to refund the money which they have reversed for no reason. It shows a credit of the amount refunded, but is not reflected in my balance. Flash back a week in the future and it's still not there. This is scary, but I figure it's a bug. If you've ever used this garbage app, you know they're quite common.

So I paid an even lower amount and it is ACH refunded again. I'll now be charged {$60.00} worth of fees and AM STILL MISSING OVER {$400.00}. 

Since then I've emailed the chairperson from my last complaint to absolutely no response. It's been over a week. I am livid to be blatantly robbed by a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Caine & Weiner XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 


XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX inquiry date XXXX XX/XX/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 explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Back in XX/XX/2020 I contacted the bank known as BBT due to my account having funds stolen from them or someone having access to my account without permission, they advised me to change my password and my username, I did as instructed! During the following 2 years after, I kept expressing concerns about my account to them, they continued to cancel cards and issues new ones never suggesting closing down my account and opening a new one, due to them never checking into these issues, I was evicted from my homes 2 times and also filed XXXX  2 times which has caused me so much stress and emotional Turmoil and embarrassment and is unacceptable!

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 2023-07-08 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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 2023-07-08 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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. I submitted a negotiable instrument in switch American Express did not accept without any detailed explanation. They stated that the payment was non negotiable but did not state what made the payment non negotiable. In a detailed manner I am asking what made the negotiable instrument, non negotiable? If not acceptable my next steps are to sue the company for damages because this is harming me from excelling in life and buying a car and home for myself because of the ignorance of the law. The negotiable instrument had everything that was needed to have the money sent to them. Under UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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:
I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred it.

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