vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 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: TN

Complaint narrative:
1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt.

so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges.

on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services.

the debt that is on my credit report does not have a signature associated with this debt as well.

even with no signature and the debt blatantly addidng extra charges and fees the credit bureau transunion and XXXX still reported this on my credit report. 

how can they have investigated this debt to be true without a signature or original amount. 

XXXX  and transunion has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from XXXX XXXX  for being able to report it. 

these XXXX companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these XXXX are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.

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 2023-07-31 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: SLM CORPORATION
State: FL

Complaint narrative:
When I originally notified Sallie Mae that I wanted to updated Privacy Policy, a representative commented through the CFPB complaint feedback stating that there was no such thing, and that Sallie Mae sharing my personal information is how daily business operates and is ran and I could not opt out. Which after doing more research and learning more laws is unfair and untrue! Sallie Mae Totally Disregard my complaint. Sallie Mae has been contacting family members I havent spoken to in years asking to speak with me, instead of calling me. Ive already tried to resolve this debt in house and nothing seems to satisfy this creditor. They refused to put me on a payment plan or defer the loan. They continue to send emails and letters stating if I don't pay by XX/XX/XXXX they are required to sell the debt to third- parties. I did in fact was able to XXXX the link to opt out, but employees are uneducated and told me unlawful and unethical information. Sallie Mae continues to report negative untrue information on my credit report when I disputed it with them. Someone made a note on my XXXX credit report saying- Completed investigation of FCRA dispute - consumer disagrees Because what exactly did I not agree with? basically not complying with the FCRA and still reporting negative false statements. I have been denied every extension of credit because of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: GA

Complaint narrative:
To whom it may concern : According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

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 2023-07-30 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: GA

Complaint narrative:
Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

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 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/23 my robinhood account was restricted after a failed transfer. I had the wrong card added and it declined, but thinking it was the right card I tried XXXX more times and the account locked. The account is stock trading/ spending account where you can trade but also have a card to spend on daily. I had {$510.00} in my account before it was locked and now i cant get to it. I emailed XXXX ; the support email so I could get it unlocked. On XX/XX/23 I got a call back from the support # and was told they needed some documents to unlock. I sent my ID, a selfie to verify to the ID, my social security card, and my bank statements also verifying my name and address. I wasnt given a time frame for how long my account would be locked. On XX/XX/23 I was asked for another bank statement to verify my address and name and also asked for another ID picture and selfie. Its now XX/XX/23 Ive emailed the support team multiple times and have gotten no accurate responses rather prompts. They still cant give me a time frame for how long it will be locked. I need help to at least get my money back if not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was in the hospital beginning XX/XX/2023 after experiencing other health issues the past several months and was hospitalized until XX/XX/2023. My phone with my passwords and PIN was left in my room and someone got a hold of it. I lived with 4 roommates and people were constantly going in and out of the house. I submitted a dispute for all the transactions that were not done by me and my claim was denied. I have since moved out of that house due to this 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 2023-07-30 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: KY

Complaint narrative:
On my credit report there are two different names reflecting on my credit report that arent mine or aliases of mine.

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 2023-07-30 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: KY

Complaint narrative:
On my credit report there are XXXX different names reflecting on my credit report that arent mine or aliases of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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:
XXXX XXXX Acct # XXXX In accordance with the fair credit reporting act XXXX  XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 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 2023-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
this account is a collection account or being reported as a collection account but yet i have a balance that i have to pay because the account is still open on my account. 

why are they trying to keep this account open on my credit report, why are they reporting this as an open live up to date account where i have active debt instead of reporting this as collection debt. 

why are they trying to deceive my future creditors by listing this account as active like i have the car and paying a car note, while saying this car is repossed. 

this is a XXXX tactic to force me to pay whatever amount they list. 

thats why we have the truth in lending act to prevent collection agencies from doing just what they are doing right now. they are trying to hold my correct information XXXX for a fee to them for XXXX they are really trying to XXXX  money from me to get me to pay to get this off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
In XX/XX/2020 a cc was opened in my name and Ive tried to have it removed. So now Im here, please remove this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I was robbed of {$6900.00} by Bank of America with unauthorized charges and overdraft fees due to them. I would like to be reimbursed and letter of apology. I went from XX/XX/2022- XX/XX/2022 to 3 appointments inside bank, just to be led a long with the same enticing assurance that I would get a resolution within 10 business days, by 3 associates of different origin 2 females, ( Manager of bank, being 1 of 2 ) and a male. I lost my home and car due to this unfortunate incident.

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 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: IA

Complaint narrative:
I opened a checking account with Charles Schwab. I deposited {$2500.00} into this checking account. Few days later I recieved my debit card and activated my card. Then suddenly I'm locked out of myy account unable to log in or use my funds. The login page gave me a number to call. I deposited the check on XX/XX/2023. I have been locked out still to this date! I was told the fraud team is investigating it. I have faxed everything they asked for but I'm still locked out! They took my money!! The money is from a court case paying me for my XXXX XXXX I need this money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23 i purchased a white shirt for {$55.00}. As of today the shirt has not been delivered and the company ( XXXX XXXX ) has not responded to multiple inquiries of mine. I went to a Truist branch on XX/XX/23 to inquire about this transaction and was told to give it a few more days and if the shirt was not delivered than to file a dispute. I waited until XX/XX/23 and I filed the dispute as instructed by the Truist representative. I now know that I was provided incorrect information by Truist because according to Regulation E, I must submit this dispute within 60 days of my statement date of the trans which was XX/XX/23. The teller misled me and it has now been more than 10 business days since my dispute of non-receipt of merchandise and Truist has not decisiones the dispute or provided me provisional credit.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: OH

Complaint narrative:
I purchased a {$200.00} XXXX XXXX gift card at a XXXX XXXX grocery store on XX/XX/XXXX at XXXX p.m. located on XXXX XXXX and XXXX XXXX in XXXX, XXXX I used my KeyBank credit card to make the purchase. When I attempted to use the gift card to purchase materials on XX/XX/XXXX, the Card # and Pin # on the back of the giftcard was damaged and the Card # and Pin # were illegible and the gift card was deemed not permissible by the XXXX XXXX employee who scratched off the section on the back of the card to view and use the Card # and Pin #. I then asked the XXXX XXXX employee to research and obtain the Card # and Pin #, they indicated they were unable to do so. I then proceeded to a Customer Service representative and manager in another part of the XXXX XXXX location on XXXX XXXX in XXXX, XXXX  The customer service representative and manager also informed me that they were unable to assist and directed me back to the XXXX XXXX where I purchased the giftcard. I then returned to XXXX XXXX and inquired as to refunding the {$200.00} giftcard amount or replacing the cards. They were unable to assist and directed me to XXXX XXXX customer service line at XXXX. I was informed that they would research and it may take up to 15 business days and was provided a case # XXXX and they also suggested to work with XXXX XXXX. I then called my credit card company, Keybank, on XX/XX/XXXX to file a credit card dispute for the {$200.00} to refund the charge. I was provided a KeyBank dispute number XXXX at this time. None of these actions have resulted in a refund to my account. This dispute has not yet been resolved either and is still being pursued without resolution. Please advise as to further guidance and direction. I appreciate your assistance. 

On XX/XX/XXXX, XXXX XXXX informed me that my refund was approved for Case # XXXX but as of XX/XX/XXXX I still had not received the {$200.00} credit to my KeyBank credit card. On XX/XX/XXXX, The XXXX XXXX agent indicated that my refund request was submitted to their retail banking division for processing. In addition, KeyBank requested additional information for the transaction that has already been provided. This is very troubling and terrible customer service and fraudulent. Please advise. This has now been almost 30 days without refunding my {$200.00} and neither the merchant or my bank has worked to resolve. This is also my second CFPB complaint submitted in- XXXX was closed prematurely without resolution by KeyBank and erroneously XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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:
XXXX XXXX Acct # XXXX In accordance with the fair credit reporting act XXXX  XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 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 explanation
Consumer complaint received 2023-07-31 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: WI

Complaint narrative:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-31 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: AZ

Complaint narrative:
15 USC 1681 SECTION 604 : " States rights to consumers privacy '' Reporting agencies 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 non-monetary relief
Consumer complaint received 2023-07-31 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: VA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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