vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online via Discover Bank on XX/XX/2022, a consumer credit transaction was completed and Discover Bank denied me credit. The denial by Discover Bank discriminates against my rights as a creditor, which also violates 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-11-22 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: OH

Complaint narrative:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 : It alsos 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 items of information, other than records of convictions of crimes which antedates the reporting 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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A few months ago I went online to check my accounts. One of my credit cards had a balance of {$7800.00}. Called Bank disputed the charges. Looked at my other credit card, {$2500.00} worth of fraudulent charges. I called Bank reported it. At this time I withdrew all my funds from the bank. I can no longer trust a bank that does not protect the finances of their customers. The bank supposedly has been working on these fraudulent charges for quite a few months. I am extremely livid about what has happened. During this time dealing with the bank has been extremely difficult. I have suffered emotional stress significantly based on the situation. Drink all this time I have tried numerous upon numerous times to call the bank and find out the status of the investigations. Each and every time I have called, I get put through department to department of department only to get extremely rude customer service that talks over you and does not listen to the customer. I can no longer speak to this bank or call them based on emotional distress. I also filed a dispute and a charge of {$130.00} back in XXXX. I was told if the merchant does not reply within 60 days that money will automatically come back to me. It is the end of XXXX, I have yet to see the funds. One representative says the credited my account with the I asked how they can credit an account that's not there as it's been closed. No answer. I talked to another rep, she said the account was closed so they sent it back to the merchant. Two different stories. At this point I do not care who's got the money. I am really becoming quite ill in dealing with the situation. It is now affecting my health none of this is necessary. If Bank of America would do their job and protecting the finances of their customers, this would never have happened. I do not trust Bank of America with one red cent. I want nothing to do with this Bank whatsoever.

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 2022-11-22 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: CA

Complaint narrative:
There are a lot of fraudulent accounts on my credit report. It is damaging my credit and causing my scores to drop. This is violating my FCRA by limiting my ability to obtain credit caused by the inaccuracy.

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 2022-11-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: OK

Complaint narrative:
Credit Corp Solution in XXXX Utah called and verified my information and when I told them I would not pay for this debt as I can not afford it and the trucking company that was supposed to pay it screwed me over they told me that they would be sending this debt to their pre legal team I assume in hopes to get me to set up a payment arrangement. I disconnected the call looks up the laws regarding the threat of the pre legal team and contacted an attorney and was advised that was threating legal action. I can not afford to pay this debt as I am going thru a divorce and already have a child support garnishment on my pay check. This is not the added stress that I need from a debt collection company to try to get me to pay for something that I got screwed over on. One day if I have the money Id be more than happy to pay it but dont need to be threaded to make it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was illegally threatened by debt collector, Midland Credit Management ( MCM ), on XX/XX/2022 regarding an alleged debt in the amount of {$2400.00} from received by postal mail. 

The message stated : " If we don't hear from you or receive payment by XX/XX/2022, we may proceed with forwarding this account to an attorney. '' I have reason to believe I do not owe this debt because the alleged debt is inaccurate information and MCM is using emotionally violent, deceptive tactics, and illegal practices to collect the alleged debt. 

To support my case- this same MCM debt collector was removed from my credit report after filing disputes to prove the inaccurate information a couple of months ago. 

Below are details of the additional information provided to support this complaint in an attempt to cease these illegal practices and eliminate all ruthless harassment contact from this debt collector : 1. The amount of the alleged debt : {$2400.00} 2. The full name and mailing address of the original creditor for this alleged debt : XXXX XXXX, Division Supervisor, Midland Credit Management - XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX - Phone XXXX - Online www.midlandcredit.com - Hours of Operation - Mon-Friday : XXXX XXXX XXXX/XXXX  and XXXX : XXXX XXXX  - XXXX XXXX/XXXX  XXXX. Documentation is provided to show the illegal threat letter. 

I am seeking judgment as I believe MCM is in violation of the Fair Debt Collection Practices Act and want to cease all threats. Additionally, the debt can not accrue fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: Netspend Corporation
State: OK

Complaint narrative:
On XXXX I recieved a text from my bank Netspend skylight asking if I had made made a purchase from XXXX  for {$310.00} I replied no and they immediately closed the card. I checked my account and found 2 other charges one for {$120.00} and another for {$120.00} all three transactions were made at XXXX. I filed a dispute with my bank for the 3 charges. And after waiting for 3 weeks was told by my bank that the charges were valid and they would not be crediting back any 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 2022-11-22 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: FL

Complaint narrative:
On the date of XXXX XXXX, 2022 Equifax dropped my score by XXXX points after getting a credit limit increase and decreasing my balance by {$15.00} reported by XXXX XXXX - XXXX XXXX. I sent a dispute letter to Equifax concerning the matter. Please help with this unreasonable way of score dropping where the law states otherwise, which I included in my dispute letter. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MN

Complaint narrative:
I have an old XXXX from Simmons Bank that I haven't touched for years. Over the years, I've tried to login or call to manage the account, but it has been so difficult that I've given up. I think the difficulty is intentional, because every month the company charges me {$3.00} to send me a paper statement, which I never wanted. Every month they also charge me {$3.00} as a " service charge ; '' my other XXXX  don't have such a charge. Lately they've also been charging me a {$10.00} " dormant account '' fee. Over the years, they've bled a {$700.00} account down to zero. This is supposed to be a savings vehicle, but Simmons Bank has used excessive fees to take all my money. 

Now I'm trying to figure out how to close the account, so that they don't start charging me money! I figured out how to login to the online portal, but there were no options to close my account, make it non-dormant, or even request the paper statements to stop. They list a phone number for help. When I called, none of the options were about XXXX. When I tried to get to an operator, the menu options circled around to the initial menu. I can't figure out how to close this account, and get this nightmare to end.

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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a mortgage with XXXX XXXX. I received a letter yesterday stating that my mortgage was being transferred to Truist Bank. 

I contacted Truist to keep information on how to setup an online account, how to ensure my payment is on time, etc. I was on hold and being transferred to various departments before being told that Truist cant answer any questions, cant accept payments or provide access to an online account until the XXXX. 

My mortgage payment is due on the XXXX. The letter I got states that any payment due on or after XXXX XX/XX/2022 needs to be made to Truist. However, Im also being advised that Truist wont be able to see my loan details or assist until closer to the XXXX of XXXX, after my payment is due. I dont want a late payment on any record ( internal to the bank or on my credit report ). 

This is a shady, unfair, business practice due to Truists inability to assist during this transition and is deceptive for consumers. 

My other concern is that I do not want marketed to by Truist Bank in any form. After reviewing online forums, it appears that Truist begins marketing to people whose mortgages they buy for products like checking, savings and credit cards. I have NO desire to have any relationship beyond this mortgage with Truist. I wouldnt even want the mortgage with them, if I had a choice. I expect Truist to never contact me about cross selling any products or services as I have no desire to do business with a shady financial institution. I do not intend to provide any additional source of income or business to Truist, outside of the mortgage. 

Please know that my primary concern is related to ensuring I can get a payment processed without any notation of late payment internally or with a credit bureau, and that my concern of being marketed to is secondary. My issue and concerns are not with XXXX XXXX, but with the behemoth financial institution known as Truist Bank. I hope someone can contact me to sort everything out. 


Thanks.

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 2022-11-22 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: KS

Complaint narrative:
I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( Transunion, XXXX, XXXX ) : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..

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 2022-11-22 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: KS

Complaint narrative:
I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, Equifax, XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: KS

Complaint narrative:
I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, XXXX, Experian ) : XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX  I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..

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