vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 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 XXXX XXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: PA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 explanation
Consumer complaint received 2022-07-17 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: PA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2022-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Years ago, my girlfriend and me opened up a checking account with SunTrust. With the merger with BB & T, they are now Truist. My SunTrust debit card was good until the end of XX/XX/2023 and my girlfriend 's card had an expiry date further away than that. In XXXX, Truist sent us Truist debit cards with instructions on how to activate them. There was nothing mentioned about our SunTrust cards being cancelled or that there was any sort of timeframe to activate these cards by. We decided we would continue using our SunTrust cards that were still valid because they offered XXXX as a payment service, which can sometimes be helpful when merchants are having issues with XXXX. A couple of weeks ago, I tried to use my SunTrust card to pay for a couple of games online. It told me, the card was declined. When I called Truist, the customer service representative told me the card had been automatically cancelled back in XXXX. We received zero notice that our SunTrust cards were going to be cancelled and the customer service representative told me, it was automatically done and there was nothing she could do. I asked for a supervisor. She told me one would return my call the next day, which never happened. I tried calling back on 3 different occasions, to wait more than 2 hours on hold to get hung up on as soon as the call was answered. 

As a XXXX XXXX person, the raised numbers and letters on my SunTrust card was much more useful to me. What really irks me off though is, that there was no notice at all in regards to our old cards being cancelled and customer care just kept repeating, there was nothing they could do until I asked for a supervisor, which I never got a call back from and have not been able to reach anyone at Truist customer care since.

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 2022-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX ( XXXX XXXX VETERAN, XXXX XXXX XXXX. ) XXXX ACCOUNT # : XXXX PREVIOUSLY AWARDED DISCHARGE ; CORPORATION CATOGARIZED AS TRANSFER AND ASSUMED LOAN ; 1996 CASE INVOLVING SAME TRANSACTION RESULTED IN SEVERAL PERSONS VEING CONVICTED AND SENTENCED -- -- XXXX XXXX XXXX XXXX XXXX XXXX INSIDE PRISON -- CASE NOT PENDING; SAME TRANSACTION SAME PERSONS ADJUDICATED. 

XXXX APPLICATION SUBMITTED TO XXXX XXXX, XXXX, DEPARTMENT OF EDUCATION XXXX ACCOUNT # XXXX ... 

Criminal possession/redemption of land deed and plattt ; not excluding US AND FOREIGN CURRENCIES WHICH RESULTED IN FALSE FINANCIAL AND CORPORATE SECURITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
I have an account that was opened under my name with montgomery ward and it was opened on XXXX I'm not sure how much has been put on this card. I didn't have no card sent to me or no info come through the mail or email about having this account was even opened. I put in a dispute in for this and got a letter back a few weeks later that i needed to go on this Websight and put in a dispute. and i did and nothing has came around to fixing this for me. I have called and talk to someone on XX/XX/XXXX for a fraud on this account and was told to call the fraud department on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MO

Complaint narrative:
Due to my partner and I getting jobs in a new state, I was forced to terminate my lease at XXXX XXXX Apartments in XXXX, TX. XXXX XXXX is owned by XXXX XXXX. I vacated the property and turned in my keys on Sunday, XX/XX/2022. I received a bill for {$9600.00} in accelerated rent on Wednesday, XX/XX/2022. Per the terms of the lease, I had 30 days to pay the debt. 

On XX/XX/2022, I received a message from Hunter Warfield notifying me that XXXX XXXX had sent my debt to collections and I have been notified that my balance due is now {$9700.00}. However, it has neither been 30 days since I vacated the property nor since I received the final invoice. To my knowledge, it is not legal to send a debt to collections before 30 days. 

Furthermore, the debt that XXXX XXXX sent to collections was already under dispute. I have filed a XXXX XXXX XXXX complaint against XXXX XXXX, to which they have never responded. Consequently, I have begun working with an attorney in order to resolve XXXX XXXX failure to uphold their responsibilities according to the terms of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: CA

Complaint narrative:
I signed up for my report to be pulled on XXXX and the report is inaccurate. The company that pulled the report is XXXX I was a victim of identity theft and XXXX is reporting inaccurate evictions that have already been proven not to belong to me and have already been removed from my credit reports as well as my XXXX  XXXX report. These have already been reported to the cfpb. I want these removed immediately. I have never lived at these addresses that are being reported. It has already been investigated and proved that they dont belong to me. Also, if you look at these evictions there are 2 from the same Address. It doesnt take a genius to know that one could not get evicted from the same place twice, 5 months apart according to the XXXX Report, clearly something isnt adding up. How could one supposedly be evicted and then go back to the same place and be evicted again, as XXXX is reporting? That makes no sense. 

I have also included screenshots of the other 2 things that appear on the XXXX report. Two traffic tickets that are in-fact mine. Notice how on the top of the report it says my full name XXXX XXXX XXXX it also says my correct full name on the traffic tickets. On the 3 evictions that do not belong to me it does not say my complete full name. It only says XXXX XXXX. When filling out any applications, documents, or legal documents I always put my full name XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX knows that they provide inaccurate information because they clearly state it in the first attachment that I have submitted. This is unacceptable and I want this immediately removed from the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On XXXX I tried to withdraw {$500.00} from a Huntington Bank ATM at XXXX XXXX XXXX, XXXX, OH XXXX, but the ATM failed to dispense cash. I inserted my debit/ATM card and followed the instructions but the door that opens to dispense cash failed to open after making noises. A message then displayed on the ATM 's screen saying my transaction has been cancelled. However, the withdrawal still showed up on my account when I checked online. 

I walked into the bank branch where this ATM is located and spoke to the branch manager, XXXX XXXX. I was told by XXXX that this particular ATM was managed by another company and they had no control over it. Please note there was a second ATM at this branch that was managed by this branch according to XXXX. XXXX asked me to talk to an employee who opened a dispute for me. 

The same day I called the bank 's customer service line and was given XXXX XXXX XXXX for this incident. 

On XXXX I called the bank 's customer service line and was told the case had been closed by the bank because questions had not been answered. Please note I had not been asked any more questions or contacted by the bank since my last call. The bank has my contact information on file. 

Between XXXX and XXXX I called the bank 's customer service line twice and on both occasions the call was disconnected as I spoke to their representative. I called the branch in XXXX and spoke to an employee twice but never heard back regarding this issue. 

On XXXX, I called the XXXX XXXX again and spoke to XXXX, who said she will open a new case and gave me XXXX XXXX XXXX. XXXX said she will call me by Friday XXXX but did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17 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: SC

Complaint narrative:
The accounts are showing as open, the account is charged off. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX credit 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 explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase erroneously charged me interest on my credit card for over a year even though I pay my bill in full each month. When I brought this to their attention, they agreed the charges were incorrect and would credit them. Chases crediting does not seem to include all of the erroneous interest changes. Additionally, since they changed me an additional $ XXXX that I timely paid to them, I should receive interest on the funds that they held of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17 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: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
I was involved in an accident back in 2029 the car was considered totaled the company said it was considered a repossession and told me they fixed the car and said the price they sold it for covered the loan amount I still had. The account was paid in full as it showed even ok the report along with credit XXXX and XXXX. Every few months after that it gets added back to my account were my credit drops by XXXX points then I have to dispute it and it gets dropped. It happens every 6 months and Im getting tired of having to report it over and over and the company is no help saying theres no record of it at all in their system and they refuse to even put a manager on the phone and hang up when I try to contact them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
3 Remaining Negative Accounts. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : SANTANDER  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Finance, Per the attached letter from XXXX  XXXX, and the prior complaint number XXXX, Equifax is to remove all the late pays from my XXXX  XXXX account ending in # XXXX. Please have this handled immediately as its damaging my credit and affecting me from obtaining a home loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. At the time I was living at : XXXX XXXX  XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. I will include my account number with XXXX  XXXX on the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  XXXXrom my XXXX and Equifax credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and Equifax to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2022-07-17 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 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 XXXXXXXX, 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
Consumer complaint received 2022-07-17 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 XXXX XXXX XXXX XXXX # 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 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 2022-07-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  from my XXXX and XXXX credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and XXXX to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.

Company response to consumer: Closed with explanation