vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
Consumer Finance, On my 3 credit reports there is an unpaid collection account for {$240.00} by Berlin-Wheeler , Inc.. 

This was paid on XX/XX/2022 and attached you will have the receipt- they agreed for a " pay to delete '' and it was to be deleted from all 3 credit bureaus. 

I have contacted Berlin-Wheeler, Inc. as well as the original creditor, XXXX XXXX XXXX and the 3 credit bureaus since then, with documented proof, it has been paid, and to delete as that was the agreement. 

The collection agency blames the 3 credit bureaus, the 3 credit bureaus blame the collection agency, and I want this to be reflected as paid and deleted - I have requested this for going on 90 days to be fixed. 

In addition, the same companies, put on a duplicate collection, as unpaid, then moved to paid, and then removed - as we agreed - yet this one remains! 

Its a simple fix - simply remove as it was a duplicate and should not be there- we agreed to a pay to delete and that needs to be done. 

I am beyond frustrated as this is damaging my credit. 

I have paid the collection, provided proof, and it should reflect accuretly on my credit reports.

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 2022-06-16 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: NY

Complaint narrative:
Contacted Experian on XX/XX/15 about incorrect names and inquiries on account.. These items I did not authorize use to inquire or request any type of service. I disputed these items over the phone with a customer service representative. Was asked full name, customer representative spelled my name incorrectly, did not ask the correct spelling and placed incorrect information on credit report.. In addition, it took them less than 24 hrs to state the information provided was correct that I was disputing.. I feel racially profiled and did not get the thorough investigation needed to have these items removed from my credit report.. I take responsibility for those items that are correct and feel violated that misinformation can stay on my report after disputing this misinformation..

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 2022-06-16 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: WV

Complaint narrative:
My name is incorrect, addresses, phone number, and employer are all incorrect, and I tried disputing the information multiple attempts with no response.

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 2022-06-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I began the process of buying a new home on XX/XX/2022. On XXXX XXXX, my mortgage lender contacted me to say there was a lock on my Equifax credit information. I promptly contacted Equifax and they said the lock was lifted. The mortgage company still could not access the information. After several phone calls, I was told I needed to submit proof of identity and on XXXX XXXX I faxed the requested documentation to Equifax. I was told it would take five days for them to resolve the issue. I called them on XXXX XXXX to check the status and was told they had not seen the fax and to check back in another 5 days. I called again on XXXX XXXX and was told there was a flag on my information and directed to another part of Equifax to fix the problem. The new office said they saw nothing wrong. We reviewed all my information and everything appeared correct but my mortgage company still could not access the information. I had attempted several times to log into the Equifax website but had problems establishing the account. Finally on XXXX XXXX, I was able to reach a tech person who was able to establish an online account for me. Once I gained access to my online information, I discovered that my birthdate was listed incorrectly. I was told if I subscribed to their Equifax ID Patrol program that I could get my dispute resolved quickly. I did so and submitted the required documentation to show my correct date of birth. The website response was that resolution would take up to 30 days. We are scheduled for closing on the new home on XXXX XXXX and will not be able to do that without my lender having access to my Equifax information. I risk losing the house along with the money already paid for appraisal, home inspection and pest inspection, totaling more than {$1000.00}. I have repeatedly been given incorrect or misleading information by Equifax and it is potentially can cost me the home I want to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
Consumer complaint received 2022-06-16 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX, {$23000.00} XXXX  XXXX XXXX {$260.00} XXXXXXXX XXXX XXXX, XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy 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 2022-06-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-06-16 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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-16 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 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
Consumer complaint received 2022-06-16 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: IL

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 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I applied for the U.S. Bank Altitude Connect credit card on XX/XX/22 through usbank.com and was approved same day for the product. The assigned credit line was {$500.00} which would not realistically allow me to take qualify for the associated acquisition offer of 50,000 bonus points after spending {$2000.00} in the first 120 days follow account opening. 

I called the instructed phone number on the application approval page XXXX during operating hours on XX/XX/22. The agent told me that I would need to call back later in the morning to talk with the underwriting department. I called XXXX back during the underwriting department operating hours and was transferred four times before being told by the underwriting agent that my application would normally warrant a higher credit line, but I probably have too many unused lines of credit open at other financial institutions. When I asked to close the account, she hung up on me.

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 2022-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a truck at a local dealership on XX/XX/2022 and dealership obtained financing for me through Truist. Afterwards, found out it was financially better to go through the bank I work for - interest rate would be lower. I had to give it a couple of weeks for Truist to book the loan. Finally on XX/XX/2022 I was able to refinance through my bank, a cashier 's check was issued and sent via XXXX XXXX  that same day. Truist received the check on XX/XX/2022, it was signed for by XXXX XXXX and shows it was delivered to the mailroom. I chatted XXXX on the Truist website on XX/XX/2022 to inquire about the payoff being processed and posted to my account. She stated " Upon review it appears we received your payoff check on XXXX. Please note, it can take up to 5 business days for the payment to be processed after your tracking shows as delivered. Once your payment is received it is sent to the mail delivery room with all other payments and is processed one by one. '' She did indicate that it would be backdated and any additional interest would be automatically waived. So, I waited another 6 days ( XX/XX/2022 ) and logged back on to see if the payment had been processed - nothing! I chatted this time with XXXX and inquired about the payoff. I explained everything again. I checked to see if the check had cleared my bank and it had not. XXXX had someone in Truist loan department check and she stated " the check is still not showing in the system and could be processing. If the check does not post in a couple of days you will need to provide proof of the cashier 's check to a Truist bank or do a stop payment on the check. '' This is absolutely ridiculous!!! To receive a payoff check on XX/XX/2022 and on XX/XX/2022 the payoff still has not been processed! Then I'm expected to pay for a stop payment on a check that Truist was too incompetent to handle professionally as a financial institution and process in a timely fashion.

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 2022-06-16 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # 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
Consumer complaint received 2022-06-16 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  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXXXXXX 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
Consumer complaint received 2022-06-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX  XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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

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 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo allowed multiple charges to my account from a company called XXXX XXXX XXXX for XXXX Texas. Wells Fargo is well aware of the problem because they called me on about XX/XX/10 to ask if these charges were mine, I told them no and they refunded about {$560.00}. When I first looked at the account they were on my account page. I cant say exactly what charges they refunded for because they erased them from my account summary. I have never in 30 ; years have had anything erased from my summary. I believe there were more than one. One was for about {$560.00} and the other ones I believe there were two were smaller amounts. I was unable to check my account at the time of the call but when I did I found there were an additional six charges from the same company ; they were for {$37.00}, {$27.00}, {$160.00}, {$37.00}, {$37.00}, {$33.00}. totaling {$340.00}. I called them to let them know these were not my charges. Instead of refunding my money they cancelled my ATM card and have rejected my purchases. I have over {$3000.00} balance in my account. This is the second time in a few months they retaliated by canceling my ATM card when I disputed a charge. I had called several months ago to ask them to put a stop to an XXXX audio club that I was being repeatedly being charged for even after I cancelled it. I have withdrawn the major part of my money from my account but I just want a complaint filed on Wells Fargo for their unethical practices. I would also like my {$340.00} cents refunded to me so I can close out my acc. and find a more ethical bank that I can trust.

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 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had a loan with BB & T ( now Truist ). Loan # is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

I moved from XXXX XXXX to XXXX  on XX/XX/XXXX. 

The loan was paid off on XX/XX/XXXX and I am entitled to a escrow refund check in the amount of {$3000.00} which I have not received. I have made 8 calls since XXXX till today, XX/XX/XXXX, following up with them and providing my most recent mailing address twice which is XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX. 

During all my calls I have received assurances that the case has been escalated to supervisor and refund check will be issued but I have not received it. In order to make their process efficient I have also advised them to directly wire the refund to my checking account on file. 

I think the time I have invested in following up accounts for more than the amount of refund check. 

I look forward to receiving your assistance in this matter. Should you need to contact me my cell number is 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 2022-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Recently submitted dispute regarding a transaction that was a scam. Despite providing evidence that the transaction had been paid via another method ( cash ), dispute was denied based on what Capital One suggested was evidence received from the merchant. To date, Capital One has not provided me with the evidence it received from merchant. 

In two separately disputed transactions, for amount due via refund of airport tax and fees for flights that were not flown, Capital One has also denied these disputes despite being the booking agent for one of the flights, and having received sufficient evidence from merchant that the airport tax refund is due and owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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