vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have tried challenging the 100 % accurate reporting of information being reported by transunionXXXX XXXX and XXXX for an account that reads that the creditor is XXXX XXXX various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment transunion and XXXX  are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look at XXXX 2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a 1099c as required by law...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
I closed my corporate account with the Truist Bank branch located at XXXX XXXX XXXX, XXXX, FL on XX/XX/2022. The bank balance was {$0.00} and my online privileges were lost at that point. 
On XX/XX/2022 Truist reported that a transaction was made on my closed account for {$0.00} and again on XX/XX/2022 for {$52.00}. These fraudulent transactions were authorized by Truist Bank, XXXX weeks after I had already closed my account. 
The bank then proceeded to charge a further {$100.00} in fees and bill me for it. 
I reported these transactions as fraud to the bank branch and then again to their Fraud office. They rejected the fraud claims and have now sent the bill to a debt collector. 

Clearly, some staff member sold my account information to a crook who then executed these transactions on my account. 

I would advise customers to stay away from doing business with Truist Bank, as they are untrustworthy and engage in shady practices.

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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/2022 I went open to reviewing an apartment that I liked. As I walked in I felt something was off, the energy and customer service was a little rude. I felt uncomfortable and did not know how this tour would play out. So I took the tour and look around the apartment complex. I decided to give it some thought and told the agent I will be in touch if I decide to move forward. Well a week past by and I put in a application in, a week goes by, I hear nothing. No phone call, no email on my status of where I am at in the application process. So I decided to call and figure out whats going on. Well as soon as I called they informed me I was approved. Which was fishy, and odd from the first place. I had to call multiple times, and tried to get more I formation since the beginning. I felt discriminated and unwelcomed. So I spoke to the XXXX about the situation, nor did she help me, I decided to take my business somewhere else. I never got the keys to the apartment or anything. I was charged for a collection fee of an application fee and admin fee which I paid up front after the application process went thru- I had to call and find out if I was approved or not- I hereby the collection is false Information and provin to the fair cares act, they went behind my will to collect a debt that is misleading, false information, and fraud. I need to file a complaint for this action to take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: NJ

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 XXXX XXXX XXXX Accounts listed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of 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 2022-12-20 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: NJ

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 Accounts listed : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a Home Equity Line of credit on XXXX XXXX with Bank of America. 
On XX/XX/XXXX, XXXX XXXX introduced himself service XXXX handling the account Bank of America sent the disclosures and requested XXXX documents on XXXX XXXX including the most recent social security awards letter. All the documents were sent to XXXX XXXX. 
Having not received an information about the status of the loan there calls were made to XXXX XXXX and messages left. There was no response. 
On XXXX, I spoke with XXXX XXXX who informed me that a letter of denial was in the mail. 
He stated that the denial was due to the Bank not receiving all the documents requested. He added that the denial was also based on the assumption of the Bank that I was too young to receive social security. Injecting age into the decision is a violation Equal Credit Opportunity Act. 
If the Bank required additional documentation or clarification, they never sent a request for such. 
Recognizing that the Bank had made a colossal error and violated Federal Law, I called XXXX XXXX and left a message ; I called XXXX XXXX and left a message ; I called XXXX XXXX and left a message ; None of the persons mentioned above returned d my calls. 
Subsequently, I received a letter from Bank of America stating that the Current/ Proposed Debt is High Relative to Income. 
The Bank made XXXX errors : XXXX ) it made a wrong assumption about social security award ( letters sent ) and did not include it as income XXXX ) the Bank did not subtract the debt that would be paid off by the loan that would reduce the debt-to- income ratio. The Bank violated federal law by its discriminatory actions.

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 2022-12-20 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I recently made complaint XXXX that has been closed after the company response. They did analyze my escrow and supposedly sent a check for {$440.00} on XX/XX/XXXX. I have not received this check. I have tried multiple times to call Mr. Cooper and have been unable to get through their deplorable computerized phone system to a person after holding for long periods of time. This is not the amount that was taken at closing for taxes plus what has been paid monthly into escrow for TAXES. There is still an amount that shows taxes will be in escrow for {$280.00}. My husband is a XXXX veteran and is tax exempt. This lender has also sent notification that our homeowner 's insurance is inadequate and needs to be raised or payment will go up even more! Insurance was deemed adequate at XX/XX/XXXX closing date by our CHOSEN lender. I am disturbed at the dishonesty of this lender and would like assistance in changing to a more reputable company. This is infuriating that mortgages can be sold and people who pay their bills on time can be harassed by dishonest huge companies attempting to steal from XXXX veterans.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
DATE : XXXX COMPANY NAME : CASH CENTRAL COMPANY NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE NO IDEA HOW THIS IS ON MY CREDIT REPORT RECENTLY STARTED BUILDING MY CREDIT IN XX/XX/2022 WITH NO NEGLIGENT PAYMENTS OR ETC. BUT THE XXXX APP WAS UNLOCKED IS WHAT WAS NOW BROUGHT TO MY ATTENTION NOT SURE IF THIS IS WHY BUT WHEN I CALL NUMBER ATTACHED ON REPORT THE SAY THEY CANT FIND NOTHING WITH MY NAME MY MEANING FOR THIS MESSAGE IS FOR A REMOVAL OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: IL

Complaint narrative:
Hello. I did not give consent to the credit bureaus ( XXXX, Transunion and XXXX ) to add my bankruptcy to my credit report. The U.S. Bankruptcy Court of Central Illinois states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: MO

Complaint narrative:
There is fraudulent activity at PNC that is using my personally identifiable information. 

I have been working with PNC and CFPB regarding suspicious activity. I initially contacted PNC on XX/XX/2022 and again on XX/XX/XXXX when there was no follow-up. I then opened a case XXXX w CFPB on the XXXX of XXXX when it was apparent I needed an advocate. PNC, XXXX XXXX, contacted me on the XXXX of XXXX. XXXX assured me that issue was resolved and that I would not receive any further communication related to these accounts. 

I have in fact received XXXX more letters regarding these accounts the latest sent the XXXX of XX/XX/2022. And, it is now obvious to me these are fraudulent accounts. The most recent notice is from a third party with same name and address that is on PNC accounts. 

I am opening a new case for XXXX reasons. First and foremost is the fair resolution expected has changed given these are fraudulent accounts. Second, I have no way to update the existing case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
Debt collector has tarnished credit score with allegations of debt that I have not acquired. I have never opened an account with eversource or used there service personally. Radious Global has never been given my consent to have my information or permission to collect debt from me. And as a result of this misuse of information has effectively undervalued my credit score.

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 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX reported a debt of XXXX  to my credit file. I have never had an account with XXXX I called the collection agency and they asked me to supply proof of insurance during the period of time in question which I did however, they still have not removed this false statement from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX Mr. Cooper was put on notice to dispute the amount that's due on the mortgage. My mortgage was purchased from another company XXXX XXXX in XXXX without my knowledge or personal consent. Everything Mr. Cooper sent corresponding to my dispute has been frivolous on their end as well as negligent. Mr. Cooper was also put on notice this past year for their reputation of deceptive practices which I've reported before. XX/XX/XXXX XXXX XXXX  sent its agents to my personal domain and took pictures of my domicile without my knowledge or consent. Cease and Desist was sent as well as a summons. I have tried rectifying this matter on several occasions with no solutions. Everything Mr. Cooper send to my domicile is a violation of my rights and they should be held responsible for their tyranny and abuse to its consumers. I've asked for clarity on the terms on business. All is confusing. Mr. Cooper has threatened to foreclose on my domicile with disregard to my position as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Post Lake Lending Inc.
State: KY

Complaint narrative:
I got tricked into taking out a XXXX dollar loan with 786 % interest XXXX dollars a week for 1 year which turns out to be XXXX dollars i just want out of the loan i dont want my account deducted every week

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have 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