vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist will not allow me to open a banking account with them. In the past, Truist overdrew my account and shot it down. When I try to open a business account they denied me. They discriminate against me due to past banking history.

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 2022-12-21 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:
These Corporations, XXXX XXXX, TRANSUNION LLC, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR XXXX BEAT IN A FEDERAL COURT OF LAW! 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 I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! XXXX cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!

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 2022-12-21 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:
These Corporations, EQUIFAX XXXX, XXXX XXXX, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR AS BEAT IN A FEDERAL COURT OF LAW! I WILL NO MEASURE TO NOT CUT YOUR COMPANIES INTO FRIGHTENING LITTLE PIECES AND HAVE NOT ONLY YOUR FAMILY LOOKING AT YOU IN HORROR AND DISBELIEF WHILE I THE ORIGINAL " ALLEGED CONSUMER '' THROUGHLY THROWS WHATS LEFT OF YOU ACROSS YOUR CREDIT REPORTS AND SQUEEZE WHAT'S LEFT OF YOUR COMPANIES ACROSS WHAT LEFT OF YOUR LYING CORPATIONS NAMESAKES. I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! One cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In 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. 

Account name XXXX, Account # XXXX, Account name XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXXXXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name 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 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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My son 's account is linked to mine he was sent 2 checks online and did not know they where fraudulent. On XXXX, In large amounts. The bank allowed all the money to go to a person via XXXX that we have No idea who it was, the verynext day, then took all my sons money and now is charging him for those checks and the XXXX  that they allowed to go out on a fraudulent check. 
The bank fixed it then took the money back, fixed it again, then took it back again a month later, then took our back Again a month later. They did this a three times. Now are revising to fix it, I have called so many times. I have all the letters and copies of the checks and XXXX. This has been going on, trying to fix it for months and now they refuse, when it it there fault to let money go out to a random pertain via XXXX, on a bad check.

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 2022-12-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. 

XXXX XXXX  - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: MI

Complaint narrative:
I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. 

XXXX XXXX  - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a purchase at Best Buy ( XXXX, Tx ) for {$6000.00}. I opened the CitiBank/Best Buy credit card at the store. I did so with the intention of saving 10 % on the purchase. You get 5 % rewards and then an additional 5 % if you made a purchase within 15 days of card opening. I inquired about my rewards balance by calling the credit card # and they forwarded me to some rewards department. The rep at the office said I opted for the promotional no interest offer and there was nothing that could be done. I did not opt for any no interest offer. I did not submit the application on my own, it was submitted by a rep at the XXXX, Tx location. I chose " No '' for everything that appeared on the screen on my end. I paid my full balance within a week and do not care for this offer. I just want my rewards balance reflected in my account. Also, my credit score went down XXXX points because of this offer. Not sure if they turned it into a loan or what? Never opening a new card again after this terrible experience. 

I believe Best Buy/Citibank voluntarily put customers into the promotional no interest offer to avoid paying the rewards offer. I would not be surprised if hundreds of other customer fell into this trap as well. Best Buy/Citibank need to do right by me and correct their mistake.

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 2022-12-21 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: ID Analytics, Inc.
State: MO

Complaint narrative:
Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.

The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
During the summer of XXXX, I noticed that my Equifax credit report was not changing as my spouse 's file whom I share the same creditors. So I viewed my report and noticed that none of my accounts had been updated in contrast to those of XXXX and XXXX. I looked back a year when my last Equifax update occurred. 

So I contacted Equifax and they took all the necessary steps to prove my identity. After I assured them, they were satisfied to answer my questions in which they said that nothing was wrong with my report and they would send me a paper copy in the mail, and when I get the paper copy, to call them back, and they will update my credit report. So, I did... 

The update didn't come but I remained patient figuring they will get it right sooner or later, but that day never came. 

XX/XX/2022 I was applying for home loans. Still, when I go on XXXX XXXX, my Equifax report was still the same. So I just apply for mortgage loans anyway. Then the loan companies were telling me that they couldn't get my Equifax credit report at all, as if it were a credit lock on it. So I call Equifax again and they took me through the same questionnaire and wanted to send me another paper copy before they would update my report and I wasn't going for that this time. 

I told them that I see no need for them to send me a paper copy to prove who I am for them to report the information that creditors send to the bureau. It's their responsibility to do so. 

So, they refused to do so and I filed a complaint with the XXXX. Equifax kept answering my complaint as if they never even read it or viewed the attachments, but had an already prepared template that kept repeating the same nonsense, about how credit bureaus work. The XXXX  didn't do much and closed my case because they couldn't get Equifax to comply with a simple demand. 

So, that's why I'm contacting this bureau. The XXXX arrogance of Equifax representatives is leaving me to be turned down for financial services because creditors are unable to retrieve my Equifax file. If left up to Equifax this issue may never be resolved, and I could be in financial hardship because of this. Now, I'm starting to feel something illegal or unethical could be going on with my credit file at Equifax and they are being allowed to keep me in financial distress. 

I only want them to update my credit file and make it accessible to creditors, but if I'm to experience even more damage from their incompetence I will be pursuing for recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello I tried to open an account for some reason its not allowing me to open the account up

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 2022-12-21 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: GA

Complaint narrative:
Contacted Credit Agency Experian multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and issue with filing a dispute on online, incorrect late payments, reporting late payments on charged off accounts etc. Latest contact XX/XX/2022 and XX/XX/2022 report no. XXXX and credit report from XX/XX/2022 and XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XXXX  has a credit card through synchrony bank. They run promotions like receiving money back on purchases. Synchrony is attempting to ignore the promotion. I've been messaging them about this since XX/XX/2022 and they keep claiming that my inquiry has been escalated and that it will take X amount of business days to get a response. They never respond and keep stalling.

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 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
As explained in prior CFPB complaint, Acima approved me for credit on XX/XX/XXXX, then denied me on XX/XX/XXXX, possibly due to cancel of order with XXXX XXXX XXXX, order may show pending or in process on Acima end... I was denied with XXXX 's Jewelry on XX/XX/XXXX, Acima claims reason is : '' Unable to verify Identity '', in which case, no ID verification requested at the time or previously on XX/XX/XXXX ... As stated in prior CFPB complaint, there appears to be a technical error on end of Acima which reps will not admit to or address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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:
XXXX5 U.S. Code 1681s2 - furnisher shouldnt report information that is known to be incorrect ; cost me to get denied waste money because my score is wrong 15 U.S. Code 1681 A 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S. Code 1681 A4 violated my right to privacy My experian has more accounts than XXXX XXXX Payment XXXX Card XXXX % XXXX XXXX Experian Payment : In pictures its doesnt add up

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 2022-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: PA

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. 
IRS defines a charge off as Gross or Ordinary Income. 
Income does not get reported on a 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 explanation
Consumer complaint received 2022-12-21 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: Applied Data Finance, LLC
State: GA

Complaint narrative:
In the matter of complaint # XXXX, Personify Financial presented fraudulent documentation to close the complaint. I have issued an verified Identity Theft report for which no rebuttal has been offered by Personify. If Personify maintains that my Identity Theft report is fraudulent & that their documents presented are valid, I have attached an Affadavit of Fact that will help Personify verify the validity of the documents submitted by Personify in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
student loans on credit report without written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We refinanced two mortgages by Wells Fargo bank to consolidate them into one affordable rate mortgage. They made us believe that was what we got. A few month after we realized that they had sold the second mortgage to a third party without us knowing about it and that in fact after the refinance out mortgage payments was higher than before the refinance. That was devastating to us and forced us to sell our home in a short sale process. We had a bad credit as the result and to this day we are renting.

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