vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 my ex-husband passed away and my XXXX son is his next of kin. I learned at that time that he had failed to refinance the mortgage on a home we purchased together. At the end of XXXX I started trying to let Truist know of his death. 

After my call being disconnected multiple times after XXXX minute holds, I made an appointment to see a banker in a branch. She was helpful in getting me access to the mortgage account, but I did not have sufficient documentation for her to help me in any other matter. 

I was able to gather all of the documentation : will, death certificate, divorce decree, record of my remarriage to legally validate my name change, POA from my children, etc. 

Then the fun started. I have not had an actual conversation with anyone who can help me. I am on excessive holds of over XXXX minutes to be connected to an off-shore agent only to have my call disconnected. At first I was understanding about the challenges that may have come from merging SunTrust and BB & T. Frankly, I'm over it.

I'm employed by a competitor and I know that it should NOT be this difficult. My ex-husband, their customer, is dead. According to the documents that I have found, there is adequate funding in checking/savings accounts that would have covered the thousands of dollars that I have had to spend related to this death..but I can't even reach someone to begin the process of these funds being released to his next of kin, as stipulated in his will. I am furious. Below is a " transcript '' of today 's interaction. I had been so excited that the wait time was reported at 20 minutes. The hold time doesn't matter, when the agents are incompetent.

Truist off-shore agent : Thank you for calling Truist. How can I help you?

Me : Hello. I need to report the death of one of your customers. The paperwork suggests that he had many accounts with you.

Truist : To clarify, you want to submit a complaint about a letter you received?

Me : Id like to speak with a representative in the US.

Truist : One moment. ( Hold music- then recording ) You have been awarded a rebate coupon for using your credit card at specific merchants. Press 1 to redeem your rebate now. Or hang up.

Me : ( No response ) Truist : ( recording ) You have exceeded the number of allowable responses. ( line disconnects )

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 2022-05-03 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original crediXXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX  XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX XXXX240.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No

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 2022-05-03 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original XXXX XXXX  XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX  {$240.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No

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 2022-05-03 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:
The Credit Bureau have several inaccuracies on my Credit report, which per the laws set in place from the FCRA, they are in clear violation. The Fair Credit Reporting Act has laws to protect me and other consumers, but the credit bureau willing know this and still have these error reported which is very shameless they are doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Tate and Kirlin Assoc
State: FL

Complaint narrative:
In according 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 A Section 2 : It also states a consumer reporting 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 and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries : 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 non-monetary relief
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit 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 explanation
Consumer complaint received 2022-05-03 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 Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX account number ; XXXX, XX/XX/XXXX, {$450.00}, {$260.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$23000.00} XXXX XXXX ; XXXX, XXXX, XXXX, no verified date ; {$2600.00}, {$4000.00}, XXXX ; XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$9400.00} XXXX XXXX XXXX XXXX XXXXo verified date, {$9400.00} XXXX ; XXXX, no verified date, {$58000.00}. 

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

15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. 

XXXX, Transunion, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer 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 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I opened a letter from PNC bank that told us that our account was overdrawn and that we owed a fee. Panicked, I rushed to check our accounts and found out that the " overdrawn '' account was the " mandatory '' checking account that we didn't have money in because we used the bank just for a savings account. ( We were using simple and that got acquired by XXXX and now the accounts were being handled by PNC ). 

Upset, we tried to transfer the money to our XXXX account. No good. At the rate of transfer, it would take us several months. So we called. 

After trying to navigate a really terrible phone menu ( and having to disclose personal information several times ), we finally spoke to a person. She told us that because we had tried to pay off our fees prior to calling, that it would take several business days to close an account because they couldn't close an account when there was an active transfer. At one point, the representative even asked us for our personal information AND PASSWORDS at the bank ( XXXX ) where we wanted to wire our balance. Then she told us that we would have to accept a cashier 's check. It was a mess. 

We ended up not closing because of the " active transfer that would take several business days. '' The whole process was a waste of an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Angel Oak Home Loans LLC
State: GA

Complaint narrative:
On XX/XX/2022, Angel Oak Home Loans transferred my mortgage to XXXX XXXX XXXXg. The notice, sent by XXXX XXXX XXXX, was dated for XX/XX/2022, failing to meet the 15 day minimum notice period for a service transfer as provided by 12 CFR Part 1024 ( Regulation X ), subsection 1024.33 paragraph ( b ) ( 3 ) ( i ) and did not meet exceptions from paragraphs ( b ) ( 3 ) ( ii ) or ( b ) ( 3 ) ( iii ). There were no other notices from Angel Oak Home Loans. The notice was not received until XX/XX/XXXX, after the XX/XX/XXXX payment. I had an automatic payment scheduled for the XXXX with Angel Oak, but due to the servicing transfer timeline, this payment was not drafted ; resulting in a late payment. Although no late payments were assessed, this conduct was illegal and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report by Transunion. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX  balance. The accounts are CLOSED, and they are PAID, and they have a XXXX balance. So how I can be 120 days late under those circumstances. It doesn't make any sense. 

In response to my dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting inaccurate information. Surely this is grounds for removal and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian advertise free credit report. I signed up to get my free credit report and was later charged {$14.00}. I did not sign up for this monitoring service. I called Experian and they told me that they could not refund me after trying to sell me on the service. I had to insist that I did not sign up for this service to finally have them issue me a refund. Experian says all over the website FREE credit report. I was never aware that I signed up for credit monitoring for XXXX. This is a bad practice from Experian. I have used XXXX and XXXX for free credit report and was never placed in a monthly credit monitoring program. This practice by Experian is deceitful and harmful to consumers. I am not a rich person and check by bank statements daily. If I did not check on this bank account, I would just have paid the XXXX monthly

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 2022-05-03 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting false & misleading information. 

Name on alleged debt doesnt belong to me. Different name on account. 

Amount {$260.00}

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 2022-05-03 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:
On XX/XX/2022, I went to a XXXX bank located in XXXX XXXX to open a XXXX Bank Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that XXXX denied my request to open the XXXX Bank Account based on personal information on my Equifax XXXX report. That did not make any sense to me. 

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by XXXX. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: MO

Complaint narrative:
I sent my letter off on XXXX XXXX,2022 I told Equifax to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers 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 stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681everything has to be 100 % Accurate. 

Accounts-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: MO

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 explanation
Consumer complaint received 2022-05-03 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: MO

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 explanation