vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX OF XXXX XXXX Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet Equifax is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I went to the dentist for a cleaning. They said I needed their version of invisaline, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.

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 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
Overpayment refund checks not accepted by financial institutions.

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 2022-10-31 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: FL

Complaint narrative:
In XXXX 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. 

These are the following Accounts : Department XXXX XXXX XXXX XXXX Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account XXXX USC 1681 Section 602A, states I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section states, no consumer reporting agency my make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I need this account with wells fargo and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these.

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase! 

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.

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 2022-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a cash deposit at the TD bank XXXX XXXX XXXX in NY. The ATM took my money, however did not credit the account and said on the receipt " forced deposit {$2000.00} ''. It was end of day I went into the branch to complaint about what had happened with the ATM and my money, three TD bank workers were there and told me there was nothing they could do for me to wait until the ATM gets serviced and they would take care of it. I had no idea I had to do anything else. I trusted their word and off In Went. Two weeks pass and there was no money in n my account. I called the general customer service and they said that I was in supposed to file a dispute the day it happened at the branch. They opened the dispute and I waited for a week and nothing. I called the branch and was told the dispute was the wrong one and the right one was submitted. Three days ago I saw the XXXX on my account and the next day it was removed!. I called the customer service and they said their so called investigation was closed and that probably the ATM returned me the money. I asked them to show me the footage of the machine doing that because that never happened,!. They didn't even bother to look at the cameras. I challenge them to do that. Now the branch is saying for me to show them the ATM receipt when customer service can see the copy from the ATM they told me they could see what the receipt says. I'm getting the run around from this bank. Whoever serviced the ATM is pocketing my money since the branch is saying is not them. Please help me recuperate my hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX CAR Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX  Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy 1852450 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: CA

Complaint narrative:
Someone keeps opening accounts under my name which are open fraudulently they are not mine they already wasted XXXX dollars on the 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 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing all inaccuracies on my credit report with Experian.

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 2022-10-31 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: NC

Complaint narrative:
On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!

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 2022-10-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CREDIT CARD : XXXX Date : XXXX of 2022 Payoff {$340.00} Date paid : XXXX, 2022 I got COVID during the month of XXXX My payment records were excellent I had auto payment ON on my account with XXXX The credit card reported a 30 days late on my payments. As soon as I noticed that LATE PAYMENT, I called XXXX and they said they will fix the error. I went ahead and paid the full balance at that time to avoid more problems. I didnt owe much anyway and paid. 
XXXX said I removed the auto payment which I dont recall doing. 
I asked them to fix the 30 days past due and they said several time they will do it but they lied and they never did. The 3 credit agencies XXXX Transunion and XXXX got the report from XXXX with the 30 days past due. 
I asked XXXX to remove the bad credit as I was an excellent payer and that with the COVID I may have done a mistake or error with the account ( I got brain fog ) I still dont know what happened. 
They said they will but they never fixed it.

I sent COVID hospital reports and still they didnt fix it It is hurting my good credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
Date of transaction:XXXX The amount of money that I paid : {$1100.00} The company is Visible. 
The company sent the device and they did not arrive. They just said that they delivered the device without my signature. I contacted with the visible company and they asked me to uploaded the police report and I have uploaded the report and they denied to refund with no reason. They even deleted my account with no reason. I tried to talk to them and they did not seem to want to solve this problem and just cheat themoney!! I was so angry with this kind of company! I tried to claim on XXXX  and XXXX told me that visible has already claimed from them. So visible claimed the lost iphone from XXXX  and they did not refund me? What are they doing??? And also discover told me that they received a tracking number showing full proof of delivery to the shipping address, this shows the merchant has fulfilled their obligation to get the product to you. They did not consider the police report and other document. I was so angry about what they are doing!! They asked me to upload the document but did not consider at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Closing appointment XX/XX/22 for Heloc at PNC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Came in at XXXX the time of our appointment. 
The person we had the appointment with decided to assist a different client. Which made me feel discriminated against. Then we were passed off to a different person, who was not trained to do heloc closings. They were not able to describe the paperwork to us and did not know where or how we needed to sign. They found out that they were missing some of our information because their teller misplaced our checking account information. They made us feel like we were an inconvenience and they were visibly frustrated. Making us feel like it was all our fault. They wanted to reschedule me but that was not acceptable to me. A manager who was not present instructed the individual how to proceed over the phone and we finished the process, or so we thought. 

They made mistakes on how were were supposed to sign and we have had to come back to resign several times. I have made complaints with their company but still I dont have a resolution. My loan closing is not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
someone opened up a charge card in my name at Target they purchased XXXX tv 's and sent XXXX to our previous address and an address in Florida Called Target to resolve however saw a charge on my credit report Returned the one tv i do not have or ever have had a charge card at Target

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 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: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed 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 explanation
Consumer complaint received 2022-10-31 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: FactorTrust, Inc.
State: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
These 2 Collections MIDLAND FUNDINGS LLC they keep reporting They continue to report these 2 accounts that were reported by the original creditors as Charge off more than 7 years ago and have already met the status of limitation, they should be removed and every time I dispute with the bureaus ( XXXX and XXXX ) they say Verified but where is the evidence of the dates. please i need help i am frustrated and i can't use my credit to help my daughter for her college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I created an account on XXXX to see what my credit scores look liked and I noticed a debt collection was up there that I did not recall. I never opened an account on XX/XX/2021 with the company XXXX ( XXXX XXXX XXXX ). So I filed a dispute and received the dispute information that the debt collection was correct. So I called both Credit Control Services INC and XXXX to figure out why this debt collection of {$1700.00} is on my credit report that I didnt have any connections to and both could not pull up any documentations that Ive had anything to do with this debt collection thats why Im reporting it as fraud. Also Ive talked to the debt collections agency and the male that I was speaking to hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
XXXX/XXXX/2002, i sent a letter to TRANSUNION, XXXX and XXXX advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.

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 2022-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2002, i sent a letter to XXXX, EQUIFAX and XXXX advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
After noticing, online, compromising activity on our Truist checking account and fraudulent charges on our BB & T Visa Credit Card, I immediately reported this to Truist 's Fruad Dept. at XXXX on XX/XX/2022. They advised we should go to our local branch office and freeze all of our accounts except the debit card, which was not compromised, and open new accounts. My husband and I followed their advice and went to our local Truist Bank on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and closed the accounts.The compromising activity in the checking account was credited back to our savings account, but Truist replaced our BB & T Visa Credit Card that had a 11.90 % INT rate ( the card with fraudulent charges ) with a new Truist Visa Credit Card at 13.400 % INT rate. After complaining to Truist, we were advised to send a letter to the Truist Headquarters, XXXX XXXX XXXX, XXXX, NC XXXX, which we did on XX/XX/2022. We are senior citizens on fixed income and needless to say, this larger INT rate has put an extra financial hardship on us. To date, Truist has not responded to our letter and has not changed the INT rate. We believe this is an unfair business practice.

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 2022-10-31 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: FL

Complaint narrative:
See letters sent

Company response to consumer: Closed with explanation