vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: Real Time Group, Inc.
State: SC

Complaint narrative:
XXXX when I was going through a nasty divorce my ex husband took out this account. He had all of my information and I knew nothing about this account. I have reached out to this company RealTime resolutions several times but they could care less about my issue. XXXX is the only credit reporting agency that want remove this account. It is now XXXX an in accordance with the fair credit reporting act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section XXXX it also states a consumer reporting agency can not furnish an account without my written instruction under 15 ISC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: CA

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 XXXX5 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXXXXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account 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 non-monetary relief
Consumer complaint received 2022-10-16 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: CA

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account 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 2022-10-16 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: OK

Complaint narrative:
I have contacted Experian XX/XX/22 about inaccurate and incomplete information on my credit report. I have asked for verification and proof that the accounts I have asked to be removed but they have refused to send me any of which I have asked.

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 2022-10-16 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: TX

Complaint narrative:
The purpose of this supplemental complaint is to inform CFPB the initial complaint XXXX was submitted on XX/XX/XXXX and a demand to comply was sent via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no resolution up to this date. Equifax has been given sufficient time per the FCRA and they must delete all negative items submitted in the aforementioned complaint due to their inability to verify the late payments. I should also note, that Equifax should not be allowed to use a previous dispute and deem this complaint verified per their last investigation since it has taken more than 60 days to verify and the law states they must remove unverifiable items off consumers credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Georgia Student Finance Commission STILL has an account furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a banking error by Truist in XXXX of this year in their ability to withdraw funds from XXXX XXXX XXXX via XXXX payment that has been set up and working with Suntrust ( now Truist ) for more than 10 years. 

We contacted XXXX XXXX XXXX and they tried to assist us by contacting Truist banking to let them know funds were in the account at the time and that XXXX saw a banking error with the payment pull by Truist. Truist has been contacted by XXXX several times and will not admit their mistake. We have contacted Truist Banking and they will not listen to us either and will not accept their company made a simple banking error which is now being reported as a late payment on our credit. 

Truist will not listen to anyone and repeatedly states they have never made a mistake even though we've reminded them of instances where are payments were reported to have never been received only to find out Truist deposited our funds into someone else 's account.

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 2022-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Due to misinformation given to me by a professional banker at HSBC and lack of knowledge on her part, a large sum of money was fraudulently wired and I suffered a loss of over {$700000.00}. 

Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: DC

Complaint narrative:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.

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 2022-10-16 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: DC

Complaint narrative:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: MD

Complaint narrative:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE TRANSUNION MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.

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 2022-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.

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 2022-10-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Paid this account off on XX/XX/2022 the amount was XXXX my credit score was XXXX on XX/XX/2022 once my account was updated on XX/XX/2022 My score decreased to XXXX I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My Experian account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/2022 it was XXXX ) on XX/XX/646 and in XX/XX/647 THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT 1-2 PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM 8 THEY DECREASED MY CREDIT REPORT FOR NO REASON

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my XXXX Credit report is showing two credit cards that are not mine. 
Both are with CITICARDS CBNA One was opened on XX/XX/XXXX with the credit limit of {$11000.00} Other was opened on XX/XX/XXXX with a credit limit of {$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 explanation
Consumer complaint received 2022-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : 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 non-monetary relief
Consumer complaint received 2022-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report XXXX someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : 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 non-monetary relief
Consumer complaint received 2022-10-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK
State: AZ

Complaint narrative:
Been a 1stBank customer since 2017. In the beginning, everything was great. Then they closed my account due to overdraft over 30 days but it had only been 22 days and I advised the teller and bank manager of this- XXXX is the absolute XXXX  person in the history of 1stBank and since they arent even following what they promise, I have also reported this event to the Attorney General of Arizona XXXX Colorado and the CFPB XXXX I am pursuing every single option I can to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian was very misleading when they say FREE credit report. You log on and they say free for 7 days and after that they charge my checking account for {$24.00}. I tried to stop them, but couldn't find a way to stop them from charging me. They told me I don't have a FICO score and also no credit report because I don't owe anybody except mortgage. So they need to add {$24.00} back to my account. I tried to explain this to them, but all they did was give me page after page of alot of reterick and have not answered specifically my questions. Please help. I need to know how to stop them from continuing charge my checking account. It's not a problem with checking account. Didn't list anything I could use to select.

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