vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have had multiple fraudulent inquires posted on my credit reports. I have filed reports with the reporting agencies many times. I contact the financial institutions as well. This is in regards to the most recent fraudulent inquiry. I posted on XX/XX/2022 and it was with Equifax. The fraudsters seem to be alternating. Some post on XXXX while others post on Equifax. I did not authorize any inquiry nor will there be any authorized inquiries any time soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE ATTEMPTED NUMEROUS OF TIMES TO HAVE UNAUTHORIZED INQUIRES REMOVED FROM MY EXPERIAN CREDIT REPORT. I HAVE SENT LETTERS, CALLED NUMEROUS OF TIMES AND I ALWAYS GET HUNG UP ON WHEN I ASK TO SPEAK WITH A SUPERVISOR. I HAVE ATTACHED A FTC LETTER WITH ALL OF THE INQUIRES THAT WERE NOT AUTHORIZED BY ME. BLOCK AND REMOVE THEM

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 2022-07-30 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On the morning of XX/XX/XXXX I logged into my and my husbands checking account to check the balance and to prepare to make a consumer loan payment. The account had a negative balance. We have a joint checking account, consumer loan account, and the overdraft account all with Truist Bank. On XX/XX/XXXX a phone XXXX transaction was made in the amount of {$1500.00}. This threw the account into overdraft. I also had a {$36.00} overdraft fee. I immediately called the phone XXXX to speak to someone and attempt to find out who authorized the transaction. The amount was for two payments of the consumer loan. The first person that I spoke stated that my husband authorized the transaction. I explained to her that " no '' my husband has XXXX and has been in the bed and talked to no one on the phone. The call was disconnected. I again called back and explained the same thing. Again was disconnected. I was disconnected four times. On the last phone call I was told that it was with the consumer loan department and they were closed today. The lady told me at first that she would request a refund but that the refund couldn't be done until Monday. Then she changed her story and said that since the consumer loan account was behind they wouldn't refund the money. She stated that she would contact me back on Monday. I then contacted the local Truist branch via phone in XXXX, NC and spoke to a Banking Rep and was told that Truist has the authorization to take the money from my account. I told her that my husband had contacted Truist loan dept several months ago to get assistance with the loan as we were having some financial issues. He was told at that time that they could not assist. We explained that we would try to get it caught back up as soon as possible. I told the banking reps the same thing. She said that they would have assisted us if we would have told them back several months ago. I then told her that again we could get no assistance. The account was only 30 days past due as XXXX has 31 days and we were only on day 29 when both payments were made. Truist bank made a potentially life threatening transaction and needs to be held accountable. They left us with no funds available to secure any needed groceries for the week, no gas to drive to work, and with XXXX of us just getting over XXXX, the other two days positive into XXXX. If someone could please advise if we have any recourse to take towards Truist Bank it would be greatly appreciated.

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: LEXISNEXIS
State: CA

Complaint narrative:
o Whom it May Concern, My name isXXXX XXXX, the last four of my Social Security number isXXXX. 

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes.My Consumer Number : XXXX and Case Number : XXXX. After areview of my consumer report, I found an item that is inaccurate. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX  XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy. I have contacted the court listed on my consumer file and the court informed that they do not have a record of bankruptcy under my name, full social security number and date of birth They informed methat they do not send any information for anyone bankruptcy to LEXISNEXIS and that you may have got information from XXXX in which it is not complete per the bankruptcy court. Lastly, I did not file a bankruptcy so please explain how you got this information. I want you to remove this bankruptcy that do not belong to me from my consumer report. Also, I like to dispute a CRIMINAL OFFENSE RECORD XXXX XXXX XXXX ( XXXX ) ID Number XXXX. I have a son with my exact name who is a junior who is in prison NOT ME. How did you get this mixed up? I would think before you list adverse information on my consumer report you would verify that you have the complete personal information of a consumer, that includes full social security name, full correct name, address and date of birth. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated report along with the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
Money gram don't want to take any responsibility on their fault, which cost me {$6000.00} Below are details for Court 's attention for preparing court orders to money gram. 
Transaction 1 : - Amount : - XXXX Place : - XXXX XXXX, NJ, XXXX XXXX : - XXXX Transaction Date : - XX/XX/2022 Sender Name : - XXXX XXXX Receiver Name : - XXXX XXXX ( Fraud Party ) Receiver Bank Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX ) XXXX Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX Bank Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX 's bank statement : - XX/XX/2022 Transaction 2 : - Amount-2001.99 Place : - XXXX City XXXX NJ, XXXX XXXX XXXX - XXXX Date : - XX/XX/2022 Sender Name : - XXXX XXXX XXXX Name : - XXXX XXXX XXXX Fraud Party ) XXXX XXXX Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX XXXX XXXX Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX XXXX  Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX XXXX bank statement : - XX/XX/2022 Transaction 3 : - XXXX Place : - XXXX XXXX, NJ XXXX XXXX XXXX : - XXXX Date : - XX/XX/2022 Sender Name : - XXXX XXXX Receiver Name : - XXXX XXXX ( Fraud Party ) XXXX XXXX Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX ) -Email was not sent to me by Money Gram but transaction occurred and amount was deducted from my bank account. 
Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX Bank Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX 's bank statement : - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX  XXXX XXXX # XXXX, Account XXXX  XXXX XXXX Account XXXX XXXX, Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account XXXX XXXX  # XXXX, Account XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX # XXXX, Account 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 non-monetary relief
Consumer complaint received 2022-07-30 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: FL

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 that 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 2022-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
My husband and I have been XXXXs for 30 years ( him ) and 20 years ( me as a XXXX XXXX XXXX XXXX ). We were told to consolidate our loans in 2003 under a spousal consolidation loan. We were sent to AES and we have been paying ever since. 20 years later we have barely made a dent paying almost {$500.00} per month and now our children 's loans are due. 
Now, after submitting all the required paerwork to the PSLF program, we are told by AES, PHEAA, and XXXX that we can not getforgiveness through the PSLF program because they consolidated us back in 2003 into a XXXX joint spousal consolidation loan. According to the new PSLF regulations, we would need to consolidate the loans under XXXX to get forgiveness, which we tried to do. XXXX said they won't do it because it was consolidated back in 2003. The fed govt stopped the practice of getting spouses to consolidate under AES, but we seemed to have been forgotten and are not allowed to join our fellow XXXX  in any relief because of what we were told to do by federal loan providers in 2003. 
According to the experts, the XXXX joint consolidation loans were found to be detrimental and so they stopped offering them, but now the providers have left the couples who were advised to take them out forgotten in the forgiveness program. 
We feel like we were lead into a trap and can not get out. We have served diligently in XXXX XXXX XXXX XXXX  for years and paid w/o missing any months. 
I am asking if you can help advocate for us to consolidate these loans under XXXX or start the complaint process as I truly believe there are more of us out there who are being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: TN

Complaint narrative:
i have notified equifax of this fraudulent account that is in litigation! XXXX XXXX XXXX and XXXX has removed this fraudulent account from my credit profile, Equifax removed fraudulent account due to federal law! 5 USC 1681 c-2 once reported that an account is fraudulent the credit bureau ( Equifax ) must remove in four business days. equifax complied with intial but has violated federal law 15 usc 1681 ( A ) Accuracy and fairness of credit reporting agencies. This is a fraudulent account that i took into litigation and the company could not provide an original contract and the case is closed and so is this fraudulent account that Equifax re inserted into my credit profile which is a federal violation of federal law 15 USC 1681 ( g ) ( i ) ( ii ) requirements related to reinsertion of preveiously deleted material. if any information that has been deleted from a consumers file pursuant XXXX XXXX ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. your company has committed numerous federal violations and must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, my husband and I went to XXXX in XXXX XXXX, MD to sell or trade in our XXXX XXXX XXXX. We showed them the title and receipt that car had XXXX balance owed. However, the title we had still showed CNAC ( Carnow Acceptance Company ) listed as a lien holder. We were instructed to go to them and request a Lien release. 

On the next day, XX/XX/XXXX, we went to XXXX XXXX where we had purchased vehicle in XXXX. 
In XXXX, the car was paid off by our insurance company, ( XXXX ) due to an accident. They ( CNAC ) said that they had to turn over the Title to the insurance co. since they were the ones that paid balance owed on car. After accident, we paid for damages out of pocket and kept car. 
Now comes time to get rid of car in XXXX. We were told to contact XXXX. Which we did. On XX/XX/XXXX, spoke with XXXX customer rep who said i needed to contact the persons that was assigned to our claims. They were XXXX XXXX XXXX ( Adjuster ) and XXXX XXXX XXXX. XXXX XXXX said that he was not the right person to speak with because he does not handle title concerns. When we spoke with XXXX XXXX, her response was that CNAC never sent XXXX anything and she is not able to help other than send me copy of payment sent to them. We are getting so much run around and would like to resolve this issue quickly so that we can officially drop the car from our insurance. XXXX also has no record of payoff. 
Thank you so much for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
i had to close my checking account last week due to XXXX trying to take unauthorized funds from my account. I have to call the Fraud Department every time i need to transfer money from my old account to my new. This morning : I was trying to get money transferred and the first young man sent a message that my debit card was closed. that was not supposed to happen. That was my only access to my account. 
I had to call back, wait another 20 minutes. The next young man reassured me that my card was still good and transferred me to the Fraud Division. There i got a message that the Fraud Division is only open Monday thru Friday XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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:
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 In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I moved out 3 weeks prior to the official termination date of my lease. I had to move due to having to relocate for a job in another city. The landlord at the time stated that that would be fine since I gave a WRITTEN NOTICE 30 days in advance of my having to move. He stated that they would get the apartment rented out and I would not have to worry about anything else. The landlord accepted the written notice and made note that I was vacating the premises and I heard nothing else from them. Now here we are in XXXX and there is a balance on my credit report of {$480.00} and this has drastically impacted the credit score that I am working so hard on. It has impacted my score to the point that I am not able to rent anywhere else for me and my daughter. I have attempted to dispute this several times. I would like for this to be removed from my credit so that me and my daughter can find a nice place to live.

Company response to consumer: Closed with explanation