vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In late XX/XX/XXXX, I mailed a dispute with FTC documentation to TransUnion disputing the inquiries below as unauthorized. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX TransUnion regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at TransUnion, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new 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 2022-11-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
i previously had a Citibank checking account I became sick with covid and while I was sick someone stole my wallet and phone making several fraudulent charges on multiple accounts. When I began feeling better and started looking over my accounts, I immediately called the banks and disputed the items. Citi definitely did not properly investigate because if they would have, they would have seen the charges were fraud, this caused my account to be negative. They then sent me an email advising that they would be closing my account no further deposits, withdrawals, etc. would be able to be done on the account effective immediately. Well due to me being sick with covid I qualified for the rental state assistance which was to get deposited into my citi account and after receiving the email from them they accepted the deposit from the state and kept my rental assistance. i phoned the executive team and advised this money was only to be used for rent and I needed it I spoke with XXXX, and he advised that the payment would be returned by the XXXX of XXXX as of today 's date They still have not even processed the return of the payment.

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 2022-11-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act 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 2022-11-11 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: CA

Complaint narrative:
There are multiple accounts that I have provided to them that was identity theft and the fail to remove them they are 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 XXXXXXXX XXXX. These accounts are not mine and are identity theft I have sent multiple letter to XXXX to remove them but they continue to list on my report. My identity theft report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Attorney Information XXXX XXXX XXXX, XXXX, representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Institution Name : Bank of America , N.A . 
Account/Product Type : Personal Checking Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : United States XXXX XXXX : XXXX Claim Numbers : XXXX ; XXXX ; XXXX Complaint XXXX XXXX, was a victim of fraud and fraudulently induced to transfer money to a fake account, and other fraudulent transfers on XX/XX/XXXX, XXXX She immediately and in good faith submitted all of her documents detailing each charge adding up to {$13000.00} in fraudulent purchases and transfers. 

The Electronic Funds Transfer Act states that XXXX XXXX 's liability should be limited to {$50.00} because she reported the fraud less than 2 days after the occurrence. 

In violation of the XXXX, the Bank refused to pay on her claims of fraud. The Bank is insured for this event. Refusal and failure to reimburse XXXX XXXX for the amounts to bad faith, a breach of fiduciary duty and gross banking malpractice. 

My office has made numerous attempts to contact Bank of America, with signed authorization from XXXX XXXX and have not received any cooperation or acknowledgment Request for Resolution : XXXX XXXX demands reimbursement in full for the {$13000.00} owed to her under her fraud insurance claims. In addition, XXXX XXXX demands reimbursement of her attorney fees in the amount of {$2700.00} Total for claim amount and attorney fees is {$16000.00}

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 2022-11-11 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:
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. 

Account name : 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 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 explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I requested that the credit reporting agencies remove several inaccuracies from my credit report, and I have been sending letters back and forth for well over a year, and nothing has been resolved. I do not believe they are really investigation the inaccuracies. They just keep saying it has to stay on there, but the information is wrong, and it is affecting my life. I am a XXXX veteran, and I am dealing with my health right now, and this has greatly affected me being able to do anything because off all of the inaccuracies on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Fraudulent account has been opened under my name : Account name XXXX CARDS/XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$1500.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$41.00} Credit limit {$9000.00} Highest balance {$1500.00} Terms NA

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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover began threatening me to make payments by a specific date or they were going to disrupt my credit score significantly. I had made a payment on XX/XX/XXXX of {$270.00} and on XX/XX/XXXX they threatened me again that if I didn't make XXXX payments totaling almost {$1000.00} that they would report me to the credit bureau as delinquent. They did it anyway the same day and reduced my credit score by a staggering XXXX points. They said I was past due of 30 days and that's not 30 days. That's 23 days since I made a payment of nearly {$300.00}. They had offered me a payment plan and I got disconnected and when I called back, they said that plan was no longer active literally XXXX minutes after I was disconnected. When they reported me delinquent, I wasn't delinquent and had set up a pavement plan that allowed me to set my first payment of {$330.00} on XX/XX/22 and then each subsequent payment would be on the XXXX of each month of {$210.00}. They never should have reported me and did so when I was making payments it just wasn't as much as they demanded. They also told me that the plan I qualified for and is now active because I chose not to listen to their employees and just did it through the app and it accepted me and my payment plan. That's wrong of them to use fear tactics and threaten my score and then make such a massive hit to my credit score despite the fact I had just made a payment XX/XX/XXXX. The reason I didn't make an XXXX payment is because the app allowed me to delay it until XX/XX/XXXX and said that there would be no impact to my credit score since I set it up to be automatic and keep it automatic for each month. My credit needs to have the XXXX points restored and noted that I was not 30 days delinquent and they used fear and threats to try and scare me into paying. 

My user name for discover is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  I XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Account # XXXX Mortgage with XXXX / XXXX. XXXX & XXXX XXXX We have had an outstanding payment performance with XXXX for our Mortgage payments. We were notified in XXXX that XXXX was selling their Mortgage to XXXX XXXX. We called and asked if there was anything we needed to do and we were told No, that it would be a seemless transition. It was anything but seemless. We were told our direct deposit of our checking account would switch from XXXX to XXXX XXXX. When I checked my credit report it showed late payments from XXXX XXXX. We called XXXX XXXX and and found out that those payments did not get directly deposited into our new Mortgage with XXXX XXXX. In order to make our account current we made a one time payment of {$13000.00}. which made our account current on XX/XX/XXXX. Today I saw that the credit report was now showing that XXXX was delinquent. The woman I spoke with today sent me our transaction history and it indeed shows our account was made current on XXXX, XXXX. The credit report is showing that we have an outstanding balance with XXXX XXXX of {$8900.00}. when if fact that was all paid and then some to XXXX XXXX who now owns the loan and we have set up automatic deposit. We do not owe {$8900.00}. look at the account, it is current and yet our credit score continues to go down and you folks have not adjusted the outstanding balance. We are interested in refinancing or taking out a home equity loan but this has killed both me and my husbands credit scores. Please update your records and remove the deliquent months of payment so our credit can get back in good standing. I have talked to no less than XXXX people between XXXX and XXXX XXXX. No one could give me an explanation and I was told to schedule a dispute. If this isn't taken care of we will be taking our business elsewhere. I have spent 3 days on this matter which should have been resolved in one phone call. 
Thank you in advance for your attention to this matter. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted TransUnion due to noticing an unauthorized hard inquiry by the below company : I asked that they remove the inquiry of the company XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
The amount owed was paid to XXXX XXXX on XX/XX/22, and this company is refusing to update my credit report with the correct balance being reflected as {$0.00} and the status of the account as paid in full. The digital receipt was provided along with the dispute filed with the credit reporting agencies and the current owner of the debt is refusing to update the correctly update the balance, violating my rights as reserved by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Repeated texts requesting I call a number regarding an important message from Radius Global Solutions LLC a debt collector. Have not received any other form of communication from this LLC.

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 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Couch Lambert LLC
State: KS

Complaint narrative:
I live in XXXX, KS. I opened an account in XXXX, KS prior to COVID and a job loss. I settled a debt around XX/XX/2021. The payment was made in full. 

A relative gave me notice that I have been sued in XXXX XXXX Texas. I do not live in XXXX XXXX Texas nor have I ever lived in XXXX XXXX Texas. This relative forwarded the notice to me in XXXX XXXX days prior to the date I was supposed to appear in court. I called the court and told them I live in a different state. The court date has been moved to XXXX. 

Why am I being sued in a state that I don't live? Because I have the same last name as someone in Texas? Wrong person, wrong identity, wrong location.

Company response to consumer: Closed with explanation