vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. I told all bureaus this many times and it States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 of the person knows or has reasonable cause to believe that the information is inaccurate. I asked many times for someone to help assist and they are saying that a credit clinic is sending in docs because it's tooooooo professional! Im highly upset because its only on this bureau I need this blocked and 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 2023-06-20 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: GA

Complaint narrative:
YOU ARE LIABLE FOR VIOLATING MY RIGHTS! 

I am addressing the fact that you were furnishing inaccurate information on my consumer report. You have now deleted the accounts # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX from my consumer report. This proves that you were reporting information on my consumer report that should not have been there. This proves that you did not exercise your grave responsibility with fairness and impartiality. You are liable for willful noncompliance. Please pay the invoice pursuant to 15 USC 1681n. 
Your company inaccurately and falsely reported information on my consumer report that resulted in defamation of my character. I have been denied my right to extend credit and have been discriminated against as a result of your deceptive practices. You made creditors believe that I was in debt and you could not prove that to be valid. If the debts were valid, you created a false impression that I was unable to handle my business and pay the alleged debts. Ive suffered sleepless nights and emotional discord as well as financial strain because of your company falsely reporting information. Therefore, your company is liable, pursuant to 15 USC 1681 ( o ).

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

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 2023-06-20 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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations. 

According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016. 

I request that this charge off be removed from my credit report as as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TN

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was looking at my credit report on the XXXX of XXXX and I notice a collection account from NCA in the amount of {$1800.00}. I tried reaching out to this company by finding a phone number for them on XXXX. However, no one responded. I have not received a letter about this debt or even a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TX

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.

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-06-20 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: TX

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: OH

Complaint narrative:
Tried to by a house realize I had damages on my credit report which is defamation to my character. According to the 15 U.S.C 1681 There should not be any damages on my credit report because it is a defamation to my character.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: VA

Complaint narrative:
candidate : XXXX XXXX XXXX XXXX ID : XXXX Order Date : XX/XX/2023 To whom it may concern : Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items on my criminal background report be re-verified and removed : Sterling Volunteers account Order ID : XXXX has violated my rights. 

I am writing to dispute inaccurate information on my background check by Sterling Volunteer and to request that you investigate and remove it from my file. 

For your reference, I have enclosed screenshots of my report which was recently provided by Sterling Volunteers. The background check report erroneously associates my identity with a record of someone else. Specifically, the report lists an XXXX name XXXX XXXX in that record. I request that you delete all references to the XXXX XXXX XXXX from my credit file because the record does not belong to me. 

Thank you, 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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Thursday ( XX/XX/2023 ) I reached out to the Truist support team because I received a check from the U.S. Department of the Treasury for a large student loan refund ( {$11000.00} ). My concern was that the check would not arrive in time to be deposited with a teller, and I was worried about the safety of depositing the check after hours at the ATM at my local branch. They assured me that checks deposited before XXXX would be processed as part that day, and that being a government check I should expect a hold on all but the first {$100.00} on Thursday night, but that the remainder would be available on Friday. 

I confirmed this with the support team twice. 

Satisfied I decided to go ahead with the ATM deposit rather than wait until Friday ( XX/XX/2023 ) morning and deposit the check at the branch. Everything seemed fine Thursday after the deposit and the {$100.00} was released to me. 
Friday morning I was alerted to a hold for the full amount with the reason of " Doubtful Collectability '' that wouldn't be released until XX/XX/XXXX. 

On Saturday, XX/XX/XXXX, I emailed a detailed account of my the issue to a branch banker I had worked with before. I also attempted to call during Saturday banking hours. Since XX/XX/XXXX was a federal holiday, I went to the bank this morning to work with the branch manager to resolve the issue. He was on vacation but the banker I had emailed was able to call a support line who explained they couldn't do anything. At that point she reached out to her supervisor for assistance and told me she'd reach out to me by end of day. By XXXX I'd grown impatient and reached out to her and she explained that because my account was under two years old that they would not release the hold. 

I explained that as I understood Title 12, Chapter 11, Subchapter A, Part 229, Subpart B, 229.10, Article C.1.i - ( 1 ) General rule. A depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited, in the case of ( i ) A check drawn on the Treasury of the United States and deposited in an account held by a payee of the check ; Further I provided the banker with Appendix C to subpart 229, with details rules governing new accounts.

She has taken that information and escalated it. But given her response to my quoting federal regulations, I doubt anything will come of it. 

I have recordings of all conversations, pictures of the check and it's associated materials, and even a video of myself depositing it in the ATM since I was worried about this exact scenario.

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 2023-06-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Ombudsman : XXXX XXXX XXXX, through US Bank, did not let me know that they were charging me non-compliance fees in XXXX of XXXX by hiding them on an online Statement in stead of itemizing them on my checking statement like they used to when I signed up with them in XXXX. When did they start this unfair practice? Also on their emails it states " ... and you are now at risk of losing your PCI program fee discount. '' It did not state that I HAD LOST my DISCOUNT. This is a poor business practice. Then they refused to credit me back my 5 months of $ XXXX month fees when it is because of their lack of communication that I did not fill out my compliance. A couple of Months later, in XX/XX/XXXX and {$240.00} in fees later, when I confronted them about refunding me the hidden fees they told me no. This is outrageous when I have always been in compliance. I guess Elavon and US Bank are too big to care about small business. My husband and I thought they were different than the other corporate banks that we were with previously. 

If there is any thing you can do to get my {$240.00} in fees back and hopefully prevent this from happening to other businesses, it would be greatly appreciated. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

I have inquiries from XXXX XXXX that need verification or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Quick Bridge Funding, LLC
State: MA

Complaint narrative:
ONCE AGAIN I have received yet another scammy fraudulent junkmail solicitation from these criminals addressed to my deceased  father at my address. Despite repeatedly being told to CEASE AND DESIST, the mailing continue. They have openly lied and disobeyed XXXX complaints and continue to annoy and harass. Their mailing include fraudulent wording such as : '' Active account notification '' " Use your Active Account Card '' " Congratulations on your Account Status '' and " Account Confirmation '' all intended to deceive and defraud consumers. They also include a phony credit card. These XXXX  criminals do this all over the country and there are dozens of complaints all over the Internet against them. They also go by the name XXXX XXXX. They are a FRAUD. They are CRIMINALS and need to be investigated and put out of the public misery. This is NOT a duplicate as I have received YET another mailing from the XXXX despite my previous complaints. ( Attached )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The account was charged off. date XXXX of XX/XX/2022 {$20000.00} written off. {$19000.00} is past due as of XXXX XXXX this account is a charge why are they updating inaccurate information on my credit report please remove this account 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 2023-06-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A.section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681C. ( 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 if information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable abuse 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 2023-06-20 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

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

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