vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This XXXX XXXX XXXX ( XXXX ) Original creditor XXXX account is showing as still open on my credit report as unpaid. I have spoken with the company at least two or three times. I was told it would be updated paid and removed. When I go onto the website it keeps showing payment processing, yet the money was removed from my account the same day.

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 2023-06-01 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: LA

Complaint narrative:
This XXXX XXXX XXXX ( XXXX ) Original creditor XXXX, account is showing as still open on my credit report as unpaid. I have spoken with the company at least two or three times. I was told it would be updated paid and removed. When I go onto the website it keeps showing payment processing, yet the money was removed from my account the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: L.B.Gray LLC A Debt Collection Agency
State: KY

Complaint narrative:
I moved from XXXXXXXX XXXX in XXXX and broke my lease on good terms. I moved out of state and they agreed to keep the security deposit, as I was breaking my lease. They also agreed that I left on good terms and the apartment was in good standing. Since then, they have been under new management several times. Back in XXXX, I was moving into an Apartment who said that it was on my rental history and that I would not be able to move in until that was resolved. I called XXXX XXXX at that time and sorted it out and they sent an email to the Views at XXXX XXXX ( the new apartment I was moving into ) to let them know that it was a mistake and I didnt owe them anything. I was able to move into the new apartment because of that email. I didnt hear anything else about this and have lived in several places since XXXX. I didnt know it was an issue until I recently applied to a new place. Thats when I was alerted to this on my credit, stating I owe {$2500.00}. I called XXXXXXXX XXXX  again. They are under new management and the woman I spoke to claims my file is vaulted. She said they have limited notes to view on my file. The manager said they are unable to do anything regarding my dispute of their error. I spoke with Lb gray, the collection agency they are using. That was XX/XX/XXXX or XXXX. I let them know that I never received a letter. They said they mailed one out last summer. I definitely didnt receive it, though. I let them know that Im currently disputing this with the credit bureaus and they said they can not do anything to help me until that is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
While on a flight back from XXXX  and XXXX on XX/XX/2023 on XXXX XXXX the flight attendant came over the loud speaker to announce an offer for a AAdvantage Aviator Mastercard through Barclays Bank. It was announced that this was a special promotion for this flight that if you signed up for the card you would receive XXXX bonus miles upon approval and your first purchase. Additionally they had a special that upon approval you would also receive XXXX XXXX XXXX tickets that could be used anywhere in the XXXX, INCLUDING Hawaii. I verified this with the flight attendant that it was in fact XXXX TICKETS and the XXXX bonus miles not that the bonus miles could be used for XXXX tickets. The flight attendant confirmed this. When I called Barclays upon approval for the Card they told me that was not in fact the case, and you only got XXXX bonus miles. Their agents through the airline ( which has the flight attendants initials on it, assuming they get some sort of bonus for getting people to sign up ) are misleading people and at the very worst are outright lying to people to induce them to sign up for a Credit Card so that they can profit on it. They certainly are not holding up their end of the bargain. I have already spoken to several people at Barclays who at most have offered XXXX miles for the " misunderstanding ''. Its not a misunderstanding, it was verified and they know what they are doing. I would like the XXXX tickets deposited into my account without restriction. I would also recommend opening an investigation into this Bank and its practices in promoting it's Credit Cards.

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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent a request to agency for debt validation on XX/XX/ but still no response as of today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
Per complaint filed XXXX I have had one and only one XXXX account which was opened almost 20 years ago. I have never had or held a negative balance with XXXX. 

Since filing the complaint, the company has called again. This time, the person on the other end refused to accept that I would not be talking or confirming anything with them and started screaming out Personally Identifying Information ( PII ) over the phone including a SSN. 

This is feeling more and more like a corrupt company trying to illegally attempt to collect a debt. I do not and will not ever conduct business over the phone as debt collectors will always claim that what was said was not said. Only in writing, and the writing you just filled out to this federal agency is very much so fraudulent. My XXXX  account is in good standing and I've never had a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS ended up pulling the XXXX payment on XXXX as originally requested. This is fine and we do not want any changes to this going forward to avoid causing even more issues. However, since their system incorrectly stated, even as of yesterday XX/XX/XXXX, that they would not pull the XXXX payment until XXXX, we made the XXXX payment early on XX/XX/XXXX, incorrectly assuming that this would result in the XXXX ACH being applied to the XXXX payment. The portal shows that the {$950.00} mortgage payment was reversed on XX/XX/XXXX. We have no idea when and how we will receive this reversed payment. The issues with their portal almost caused our account to be overdrawn. 

They need to make sure that their system is actually updated to reflect correct information. This is a follow-up to CFPB complaint XXXX. 

I have attached a screenshot showing the XX/XX/XXXX {$950.00} reversal.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: CA

Complaint narrative:
My complaint is about US Bank Focus Card. This is a payroll card instrument provided by the US Bank. I am unable to get my money out of the bank because of the following reasons : 1. When I go to the branch, they are unable to help me. They can't see the balance on it, nor can they disburse money per my request. They are telling me that the only way is to use their ATM.

2. When using an ATM, it is limited to only {$1500.00} per 24-hour limit. And the timing is controlled. If I made a withdrawal at XXXX PST, I have to come back the next day after that time or get rejected. 

3. The only customer service number provided by the branch is the one on the back of the card. It is stated that this is a 24/7 number XXXX. I had dialed that number over 50 times at this point, including XXXX XXXX XXXX XXXX XXXX XXXX, and so on. It makes you jump through the hoops only to disconnect you after a few tones with an automated system telling you that there are too many callers. At XXXX XXXX? Such a lie! 

4. Website is not letting me do anything with my money either! I can't transfer the money anywhere, and being forced to open a checking account with them is the only option. I don't need their checking account. I already have one, and I am set.

5. I feel that earned money is being held hostage by this banking institution which is a form of theft. They are making an interest on my funds daily, and I am forced to keep running around trying to extract my money!

Please help 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 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Acct number XXXX On or about XX/XX/2021 my XXXX XXXX was repossessed and later sold at auction and is currently listed as a Paid/ Charge off on my consumer reports. I have not However received a 1099c tax form. 
I am requesting that this document be sent to me via mail to address XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Kriya Capital, LLC
State: CA

Complaint narrative:
Incorrect and inaccurate information by Credence Resource Management. Also, business account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: LA

Complaint narrative:
I have sent several request to both Trans-union and XXXX to remove incorrect addresses, phone numbers, income of SSI, and names from my credit report. However, even though the emails and website shows deleted it still is showing on the report and it is affecting my closing process on my new home. 
There should only be one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX One phone number XXXX one name : 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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TMX Finance LLC
State: FL

Complaint narrative:
i have a loan with this company and ive been receiving threating calls to damage my credit.. this company gave me a loan and i did not know the interest in 40 % which is illegal in the state of florida. every time i pay the loan the amount does not go down. this isnt fair and its fraudulent. 
This is the article .. XX/XX/2023. Breach was discovered XXXX XXXX.. but they confirmed that their system was hacked months before they noticed. Why did it take three months to notify the consumer? 

The specific information involved in the breach, according to TMX, " may have '' included names, dates of birth, passport numbers, driver 's license numbers, federal or state identification card numbers, tax identification numbers, Social Security numbers, financial account information, phone numbers , street addresses and email addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: MA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: MA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, we suffered a homeowner 's loss due to fire at our property located at XXXX XXXX XXXX, XXXX, PA XXXX. Through our public adjuster, we settled up with our insurance company and received an insurance check in the amount of {$86000.00} We have a home equity loan with Truist Bank and they were named as an additional payee on the check. On XX/XX/XXXX, we signed over an insurance check in the amount of {$86000.00} to Truist Bankas per their instructions along with their Affidavit of Damage and Repair. We completed the repairs to our property with our own funds while awaiting Truist to process our disbursement. On XX/XX/XXXX, we received a check in the amount of {$10000.00} and a second check in the amount of {$4700.00} due a contractor for XXXX  services performed. We immediately contacted Truist for the balance of funds and agreed to an inspection per their requirements. Truist never showed up for the inspection and no one from their Loss Draft Department will assist. We have reached out to multiple branches with no resolution. They are holding {$71000.00} of our money and will not release it to us. We ask your assistance to hold them accountable to communicate with us and release the funds they are holding without reason. You can reach us at XXXX should you need any additional information to assist us. Thank you, 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 2023-06-01 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: NY

Complaint narrative:
Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX INQUIRY Date : XX/XX/XXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX Late payment date : XX/XX/XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2023-06-01 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: NY

Complaint narrative:
Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX INQUIRY Date : XX/XX/XXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX Late payment date : XX/XX/XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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