vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have tried to get Transunion refused to unlock or unfreeze my account. they ask me questions that don't match my answer or they ask me for 6 digit number which i didn't no. For 2 months I have tried to get into my account for medical reasons but was unsuccessful. I've been told my account was being merged and now they say they are during Maintenace on my acct. I got into my acct today and they merge my account with my daughters and my sons friends. I tried to correct the information and then they lock me out of the account. I spoke to 3 different agent and a supervisor, and they all said the same thing. To call back a try to answer the question correctly. I said how can i answer the question when it pertain to someone else. I don't know what else to do.

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 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: TX

Complaint narrative:
This is a case where XXXX XXXX and UAS are trying to profit from a contract that the legality of it is being challenge in court, at this moment it is working its way through the court system. On XXXX XXXX, 2023 I received an e-mail from XXXXXXXX XXXX  that my loan was being transfered to UAS, Universal Accounting Service XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX. I have made several calls to XXXX XXXX, the first lender asking about the interest free clause in the contract, the balance of the loan and the XXXX XXXXXXXX XXXX payment due. I was told the interest free clause would remain in effect, the loan balance was XXXX XXXX and XXXX dollars and XXXX XXXX cents. However on the payment that was due on XXXX, XXXX XXXXXXXX XXXX told me if I made that payment to XXXX XXXX and by the time they process the payment and sent it to UAS it would be late and I would accumulate a late fee, they told me to call them and ask about the payment and if the due date would remain the same. I called Universal Accounting Service several time but they never answered the phone and after several rings the call would disconnect. On XXXX XXXX XXXX  I called UAS and a representative named XXXX answered and informed me that they had no information on the account. On XXXX XXXX, XXXX  I was finally able to get information on the account and to my surprise my balance was {$18000.00} with a payment of {$880.00}. The first lender claims that they only transferred {$16000.00} to Universal Accounting Service. Universal Accounting Service claim that the transfer was actually {$18000.00}. I have been unable to resolve this matter with UAS and it is useless to continue discussing this matter with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi at XXXX XXXX XXXX XXXX, XXXX IL On XX/XX/XXXX I opened a Citi Business checking account, deposit new-to-Citibank funds within 30 days, maintain balance for an additional 60 calendar days and receive a cash bonus. Cash bonus to be credited to your account wilthin 90 days from the month you complete the required activities. 

Account opened XXXX XXXX XXXX 
XX/XX/XXXX, {$50000.00}. deposited XXXX XXXX, {$54000.00}. deposited Had over {$100000.00} in the account till XXXX, account is still open. 
Called Citi In XXXX, was told my bonus would post by XX/XX/XXXX. 
Called in XXXX answer was they would look into it. Emailed and called in XXXX, still looking into it, and XXXX, no answer in XXXX at all.

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 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have tried to get Transunion refused to unlock or unfreeze my account. they ask me questions that don't match my answer or they ask me for 6 digit number which i didn't no. For 2 months I have tried to get into my account for medical reasons but was unsuccessful. I've been told my account was being merged and now they say they are during Maintenace on my acct. I got into my acct today and they merge my account with my daughters and my sons friends. I tried to correct the information and then they lock me out of the account. I spoke to 3 different agent and a supervisor, and they all said the same thing. To call back a try to answer the question correctly. I said how can i answer the question when it pertain to someone else. I don't know what else to do.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I applied for the Visa Platinum card with Alliant Credit Union. I was APPROVED for the card pending " verification of self employment income '' I provided proof that I have been self employed since XXXX. I was asked why my name was different on the two most recent tax returns. I explained that I had gotten divorced in between the time of filing the returns. I supplied my divorce decree proving that I was no longer married and was using my maiden name. Then I was asked about child support payments and if I could prove I received those payments with 3 months of full bank statements. I have emails saying that I was approved and on XX/XX/XXXX the extension of {$5000.00} was rescinded with little to no explanation. I feel like I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is inaccurate information being reported on my Equifax credit report. I disputed the following and was never contacted by XXXX of their investigation : Account Type : Collection - this is not a collection Open/Closed- This is left blank, however it is a closed account Term : Missing information Paid Off : Missing information Past Due amount that was paid : Missing All of this information should be corrected immediately or remove this negative account from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Notice to Agent is Notice to Principal.

Notice to Principal is Notice to Agent.

Silence is acquiescence. Acquiescence is estoppel. 

Re : Unauthorized Transactions [ Account Number : XXXX ] Ref : ( Claim No : XXXX ) On XX/XX/2023 I notified TRUIST of several unauthorized transactions that appeared on my account which caused several overdraft fees to be charged to my account. TRUIST has charged several fraudulent and invalidated overdraft fees to my account. First, on XX/XX/2023 I was incorrectly charged an overdraft fee of {$36.00} for a {$50.00} XXXX XXXX* transaction which brought my account balance to - {$12.00} when my account balance was actually {$73.00} on XX/XX/2023 which means my account balance should have been {$23.00} after the {$50.00} XXXX XXXX* transaction and an overdraft fee should not have been charged to my account. On XX/XX/2023 my account was charged another {$36.00} overdraft fee for an unauthorized transaction of {$37.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged two ( 2 ) overdraft fees of {$36.00} each for one ( 1 ) unauthorized transaction of {$21.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged another overdraft fee of {$36.00} for an unauthorized transaction of {$10.00} from XXXX XXXX XXXX Around XX/XX/2023, I reached out to the merchants to inform them of the unauthorized transactions charged to my account and requested a refund. On XX/XX/2023 I received a refund to my account for the unauthorized transaction from XXXX XXXX for {$21.00} and I haven't heard anything back yet from the other 2 merchants. TRUIST has refused to refund me the two ( 2 ) overdraft fees caused by this unauthorized transaction on XX/XX/2023 from XXXX XXXX  XXXX I received notice from TRUIST on XX/XX/2023 stating they would not refund my account for the unauthorized transactions and the erroneous overdraft fees that were charged to my account. TRUIST has breached their fiduciary responsibility with the servicing of my account and has extorted funds from me for erroneous overdraft fees and unauthorized transactions which is a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are inaccurate information being reported on my Experian credit report. I disputed the following and was never contacted by Experian of their investigation : Account Type : Collection - this is not a collection Open/Closed- This is left blank, however it is a closed account Paid off : shows <1 % should be 100 % paid Term : they show 1 month, but still updating credit file for 2 1/ 2 years!

All of this information should be corrected immediately or remove this negative account from 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honestys of your companys data. As per FCRA section 611, we must have accurate records on the file with those who rely upon them most, including customers and potential lenders and employers. 


I would appreciate it if you could take care of any names listed incorrectly in your database. My name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any old addresses in your system that varies XXXX XXXX XXXX XXXX North Carolina XXXX. It will ensure the database has accurate information about me.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honestys of your companys data. As per FCRA section 611, we must have accurate records on the file with those who rely upon them most, including customers and potential lenders and employers. 


I would appreciate it if you could take care of any names listed incorrectly in your database. My name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any old addresses in your system that varies XXXX XXXX XXXX XXXX North Carolina XXXX. It will ensure the database has accurate information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I currently have 2 closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, XXXX, experian ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
While I was banking with Wells Fargo in 2017 I was incorrectly charged over {$100.00} in overdraft fees because I paid several small bills and then a few days later saw that I had money in my account to pay a larger bill. They immediately took out the large payment and then a few days later i checked my account to see that all the small payments had been taken out a few days after the large payment had gone out. They charged me overdraft fees on EACH INDIVIDUAL small payment that went out. I immediately called to resolve the issue and they did nothing but make excuses for the delays in taking the smaller payments out several days after they had been sent. I had to pay all the overdraft fees and ended up closing my checking account. I would like to be compensated for this after finding out Wells Fargo is now admitting to fraudulent banking activity during the time I was affected.

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 2023-03-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED # 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC : # XXXX, XXXXXXXX XXXX  XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief