vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it 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
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
all have a credit lock on my account so I don't know how did all of this inquiries or on my report 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 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 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 XXXX XXXX XXXX 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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to PNC BANK. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to PNC BANK requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically anxiety. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I moved from XXXX XXXX XXXXXXXX XXXX XXXXo XXXX, XXXX this week. I walked into my local XXXX XXXX Truist Financial branch to withdraw funds to pay for my movers. I handed them my XXXX license. They asked me a couple of security questions, which I was able to answer ; however, when they asked me what year I opened the account, I could not remember. I opened an account with BB & T about a decade ago. I never opened a Truist account myself. That automatically happened with Truist bought out BB & T. Since I could not answer that question, they stated that I was not the account owner and they couldn't help me. So, I left. I went to another branch down the road, but by the time I had arrived there, the first bank had flagged my account, so they would not help me either. I went home to transfer my funds via online banking and noticed that my account had been frozen for debits. I called the XXXX number for customer service ; they stated that this can only be resolved at the local branch. They asked if I could drive back to the branch, call the customer service again and they would assist in verifying that I am indeed the account owner. I called the local branch before driving back over to confirm this as well as ask what other forms of identity I could bring since they were obviously unhinged over the XXXX driver 's license. I offered my passport and social security card. The gentlemen on the phone stated he would not help and that I need to go back to XXXX Currently, I feel like my funds have been stolen by my own bank, and I am very frustrated. I need help to get my funds back. Then, I can just permanently close my account so as to never deal with this bank again.

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 2023-04-28 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 account ( XXXX ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dept of ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US dept of educatio XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed

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 2023-04-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of ed/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US dept of educatio XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
The complaint is with the following Credit/check reporting company : CHEXSYSTEMS XXXX XXXX XXXX XXXX, MN XXXX I recently applied for a checking account with XXXX XXXX and the bank denied the account due to information with CHEXYSTEMS. I have exellent credit for decades with the XXXX major bureaus. I have 5 bank accounts with the major banks and 1 with XXXXXXXX XXXX XXXX. I have never run into any issue ever on opening an account I have never heard of CHEXSYSTEMS. Neverthless I have made numerous attempts at requesting whatever information that may be inaccurate and deragatory that led to a denial on my checking account opening with XXXX XXXX. However i only get automated information no matter what i attempt when i call XXXX XXXX XXXX or XXXX XXXX XXXX I also tried creating an account with CHEXSYSTEMS that only results in an error ( see the attachment ) and recommends a call to CHEXSYSTEMS customer service. But then I am back to the begining where I can only reach automation. This is very frustrating Experience

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 2023-04-30 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:
XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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 2023-04-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When Covid-19 emerge I lost my job and wasn't able to pay full monthly payments. I have sent partial amounts every month less than the amount due. The bank charged me with late fees and overdraft fees during the entire time. Even though I sent in my partial payment before required due dates. I've constantly tried to work with them on several occasions since I lost my job during Covid-19. I've repeatedly asked for some assistance in this matter and unfortunately I'm still unemployed. Also, this account has been reported to all 3 credit bureaus as a charged off 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has failed to respond to my previous complaint, but also revealed a clear failure, as in the information they did provide they made statements which indicate they did NOT provide complete information during the transfer of my mortgage to XXXX. 

My previous request was for WF to provide ME with copies of the information sent to XXXX, as XXXX claims it did not receive multiple pieces of infomration. WF continues to claim it sent information, but refuses to provide any proof of what was sent, only their " assurances ''. That makes their claims as valid as my claim to be the XXXX of XXXX. 

There is no reason to refuse to provide copies of what was sent, if it fact they provided all necessary information. 

In addition to failing to provide a valid response- the documentation - WF also, in the letter dated XX/XX/XXXX, states that it communicated to XXXX that I am a successor in interest on the account. XXXX claims to have no record of that. But more importantly, I am the administrator of the estate ( in addition to being a XXXX ) and have been for a year and a half. I have been communicating with WF as the estate - and therefore the rightful account holder - since fall XXXX. They - by their own admission- apparently did not inform XXXX of this, and therefore prevented me from being able to in any way communicate with XXXX  regarding the mortgage

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 2023-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following account has been paid but Transunion has been reported as follows : XXXX  XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$25000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 
15 U.S.C, 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: TX

Complaint narrative:
The XXXX  Child Support Office is reporting {$27000.00} to my credit report as delinquent ; however, I, nor the custodial parent are residents of the State of XXXX any longer. We both moved to XXXX  and completed our case with OAG Child Support Enforcement, which is also reporting to my credit report for {$22000.00}. As you can imagine, this is negatively affecting my scores to have almost $ XXXX reporting to my credit. 

I began inquiring about the reported XXXX Child Support ' deliquency back in XXXX of this year and was advised to contact them directly. I have made several attempts to contact them every month with the most recent communication being a phone call with XXXX XXXX at approximately XXXX on the morning of XX/XX/XXXX. She stated no one contacted them from XXXX  updating them concerning the new case filing to clear them to remove it. I contacted my case worker here in XXXX  requesting they provide the necessary info to clear this from my report, yet, to date, this issue is still ongoing.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Check Recovery Bureau, Inc.

Complaint narrative:
Notified via email from collection agency agency. Notification did not provide ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and violating Official interpretation of Paragraph 6 ( d ) ( 4 ) ( ii ) ( C ) ( 1 ).

The document attached to email provided simple method to verify or dispute debt but not to remove email as commination method.

In addition authorization for email contact was revoked from " original creditor '' prior to notification from collector as this is a shared email. Violating number 3 of same regulatory article.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This checking account has been open and negative for over 10 years. There hasnt been any attempts to use the account and I have contacted Capital One and informed them that this account was compromised due to fraud. My purse was stolen and all my debit and credit cards were taken. I worked with a credit repair company to file a police report and as a result my credit report was updated and accounts were either closed or corrected. The representatives I have dealt with at Capital One did not believe that I was a victim of fraud and it seems as if I was punished by Capital One by letting the account reflect to banking and creditors as negative and open. This has caused significant issues. The statute of limitations says that a debt will remain for 7 years and after such time it will not reflect to creditors on my credit or bank history. I need this account closed. I need this closure backdated so that it reflects closed as of 10 years ago and hold no bearing on my future. I think the most frustrating of this all is that I was able to obtain a secured credit card through Capital One and paid {$750.00} towards it but this account was not settled and I still look unsuitable to other creditors

Company response to consumer: Closed with explanation