vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights under section 15 U.S. Code 1681b that states- The creditor must have written instructions of the consumer to whom it relates to report any items on my credit report. 
This creditor does not have my written instruction or permission to report any items on my credit report furthermore I have no knowledge of this account and it belonging to me. I have sent letters requesting proof of this debt belonging to me and this agency refused to respond and provide the required documents according to the law.

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 2022-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an email from " Truist Alerts '' informing me that my new Truist user ID is ready. It stares the account was created on XX/XX/22 at XXXX. 
It includes a number to call if I don't recognize the changes to the account. 
When I XXXX the bank/company, a completely different number is associated with the bank. 

I did not open any accounts with Truist.

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 2022-07-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I noticed a inquiry on my credit reports from XXXX XXXX showing a credit card. I XXXX XXXX did not apply for a credit card. And I wish that its removed from my credit report due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: United We Collect, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting UNITED WE COLLECT INC acct # XXXX Has violated my rights under section 15 U.S. Code 1681b that states- The creditor must have written instructions of the consumer to whom it relates to report any items on my credit report.

This creditor does not have my written instruction or permission to report any items on my credit report furthermore I have no knowledge of this account and it belonging to me. I have sent letters requesting proof of this debt belonging to me and this agency refused to respond and provide the required documents according to the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2022, I took advantage of a Balance Transfer offer with my already existing citibank credit card. I have had this card for 10+ years but have not used it for the majority of that time. I had the payments set on auto-pay so I had not looked at the statements until XX/XX/2022 where i noticed they had charged me a monthly fee of ~ $ XXXX {$25.00} each month for a " Payment Safeguard '' service that I never requested, nor was communicated to me in any of the balance transfer documentation that this fee would be charged. This is stated on the statement as an optional charge - however i was not notified prior to this fee/service being billed. I did not want this optional service. I called to remove this service and request a refund. They told me I had no way of getting in touch with the refund department but that I would receive something in the mail with the final decision. The letter stated that because my account was protected during that time, i was not entitled to a refund. I did not request this Payment Safeguard, and now i'm being charged interest on the amounts of the service fee! I have not been able to speak to anyone directly about this, except to cancel the charge. This was deceitful in placing this on my account without my 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 2022-07-07 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:
In accordance with the Fair Credit Reporting act XXXX  Account 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-07-07 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: MT

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2022-07-07 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: MT

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 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
Consumer complaint received 2022-07-07 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: MT

Complaint narrative:
Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

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 2022-07-07 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: MT

Complaint narrative:
Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

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 2022-07-07 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: MT

Complaint narrative:
Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I disputed this collection account with XXXX to have account deleted. XXXX closed the dispute and claims the collection agency claims I still have a balance with creditor which is a lie. I have proof that account has been paid to the creditor and there is a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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:
In accordance with the Fair Credit Reporting act XXXX  Account 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

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 2022-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.

Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX {$350.00} XXXX  XXXX XXXX {$1800.00} XXXX XXXX {$280.00} XXXX  XXXX {$200.00} Inquires that i didnot authorize on XXXX to all except XXXX  In accordance with the Fair Credit Reporting act XXXX accounts above XXXX 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 the consumer reporting agency can not furnish a 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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX My debit, XXXX, XXXX XXXX transaction were misleading and never deposited in my bank of America, my funds were deliberately misleading and falsified causing money to be taken from leaving my account with a large negative balance which is not common for my type of account. My ATM transactions of {$200.00} were false and some kind of way manipulate/ altered. The bank is forcing me to pay them to correct their misleading information/ practices/ inaccurate calculation. my money was taken and my strict debit account doesn't allow the transactions that accured. Bank of America is blaming the merchants on my account and myself from them not processing any direct deposits, XXXX payments, XXXX XXXX deposits and etc on the same day. They are scamming me out of {$230.00} to rectify the burden they put upon me. I've been with them for years and have never seen or experience this ever. I'm currently in XXXX Alabama where there isn't any bank of America locations. I can only access them online, via phone and it's a total nightmare paying double fees and not having access to a local branch when things like this happen. Bank of America has changed drastically and really doesn't care about certain customers anymore its frustrating and unfair having to do deal with rude and unlogical agents. The ethics don't go along with the advertising, benefits and encounters with BANK OF AMERICA.

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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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

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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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

Company response to consumer: Closed with explanation