vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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: NC

Complaint narrative:
I submitted a dispute on XX/XX/2023 pertaining to files XXXX XXXX and XXXX XXXX XXXX on my credit report. I did not receive the complete results back until XXXX XX/XX/2023. The confirmation number for the dispute is XXXX. The Equifax dispute page verifies the submission and completion datesXXXX XXXX XXXX  and XXXX XXXX  both came back with Equifax deciding to modify and update each record on my report. This violates FCRA because both accounts were already verified as accurate previously. They sent the documents I provided of inaccuracies being reported on my file supporting my dispute to the credit and in return allowed the creditor to submit updates/modifications based on my documentation proving that the creditor has knowingly reported and verified false/inaccurate data. Equifax is supposed to enforce the FCRA not cater to the creditors. The creditors by law must report truthful and accurate data to the bureaus. Furthermore, the fact that 30 days had passed meant the record must be removed from my file again per FCRA. This is a glaring example of how Equifax violates the law and cares nothing about ethics. Creditors put money in their pockets, not people like me, so that is who they favor. So, I had to submit yet another dispute on both items that are supposedly being investigated. I have provided the documents below to support this complaint. I am not providing documents for them to give to creditors to further their collusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: General Motors Financial Company, Inc.
State: TN

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 604A 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 loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MI

Complaint narrative:
After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. The account number is XXXX and company name is XXXX XXXX there are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit 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 2023-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit has tried to repeatedly keep contacting me in reference to a debt that I have already resolved as a settlement and paid an installment. I sent them a letter to ceased and desist communication I received notification that they were not, and I explained that it had been paid as a settlement in installments only to be notified that I will be sued. Im still continuing to get phone calls and letters in reference to this and it even contacted the company who they are utilizing to sue me ask for a callback to show that I have proof of payments, and Ive yet to receive a call back from Midland credit manager is still harassing me And I sent the letter to them in writing, Asking them to cease and desist on all communication and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: TX

Complaint narrative:
I had a seruced credit card with First Progress with a {$200.00} limit I had to give a security deposit of {$200.00} dollars before using the card I cancelled the card and was told that the deposit was suppose to be returned in 90 days the card was cancelled XX/XX/XXXX and the money was suppose to be mailed to me and it never came I call the company back on XX/XX/XXXX about the deposit and was told that the check was returned back to them by the post office so I gave First Progress another address to send the deposit to and I was told that it would take 30 days to update the address and a check would be mailed out afterwards and I still didnt get it I called back to see why I hadden gotten it i asked what address it was sent to and was given the old address I ask to speak to a supervisor and was told that one wasn't available I have waited 5 months on my security deposit and havent gotten it and each time I ask for a supervisor am told XXXX isnt available and I have updated my address with them multiple times and Im always given the old address when I ask about what address are they going to send the check to the address that the check needs to be sent to is XXXX XXXX XXXX # XXXX XXXX XXXX Tx XXXX but they keep telling me the address that the check will be mailed to XXXX XXXX XXXX XXXX Tx XXXX and I have given them the new address time and time again I dont see were the difficulty is coming in at this is simple

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX funding is the collector the amount they say owe is XXXX it shows it was open XX/XX/XXXX and its a debt from XXXX XXXX that was open on XX/XX/XXXX for a balance of XXXX and also Im a man I dont shop at XXXX XXXX Ive never been there to open the account but it was also open fraudulently I did not open this account or any account associated with this account nor do I have any knowledge of this Ive disputed this contacted the collector to tell them it isnt me who open this account and did not authorize this account or any account associated with this collector they are violating the fair credit reporting act by leaving these fraudulent accounts on my credit report I didnt authorize and trying to get money out of me for a fraudulent account Ive reported and disputed as fraud i would like this removed from my credit report unless they can find the original copy of the agreement with my signature I know they dont have because this isnt my account I wasnt even using my credit in XXXX I just recently started to build credit in XXXX so there is no possibility that I open this account because Im just establishing credit so it could not have been me it wasnt me and I just want these account removed from my report unless these companies can prove without a doubt that I open these accounts and Im sure they can not provide those things there are no payments made to these accounts so whoever open these accounts had no intentions on paying because it wasnt link to them it only affected me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency can not furnish an 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 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 causse to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MI

Complaint narrative:
After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. There are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit 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 2023-03-26 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: LA

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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 or 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 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 2023-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Ordered health supplements ( pills ). Was hit with {$35.00} shipping fees. Paid with Zelle from XXXX XXXX. Was then told that order could not be shipped until " refundable fee '' of {$250.00} was paid for insurance. Pills and shipping were XXXX but couldn't be sent because the " insurance '' had to be paid first. Bait and Switch. 
Email lists no names, addresses, phone numbers, etc. No professional payment forms, etc. Is using names similar to legitimate businesses. For example : XXXX XXXX XXXX out of XXXX ; The XXXX XXXX used for The XXXX XXXX XXXX ; uses Telegram channels for XXXX XXXX XXXXXXXX XXXX XXXX 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Just a quick message to everyone that has paid, your package has been dispatched for delivery. Orders within XXXX, XXXX is currently 24hours-3days maximum while XXXX is 5-6days with a tracking ID provided. Drop your orders for following meds Order Ivermectin For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Click the website to order https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As soon as I complained about the BAIT & SWITCH, I was blocked from that channel. Doubt if it was a legit channel for XXXX XXXX anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 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 permission

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 2023-03-26 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 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 permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account was always overdrawn for unknown reason its an old account

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
They falsely charged me fines for someone breaking into my account I would like something for my pain and suffering

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have made a couple deposit where the bank would place a hold and would not release the funds until as long as a few weeks later. This caused a lot of inconvenience and accrued many overdraft fees that I had to call in and ask to be removed. 

The ending balance was enough to cover yet, I still received overdraft fees because of the lengthy hold. 

I received 2 overdraft charges on XX/XX/XXXX overdraft {$70.00} with ending balance {$970.00}. 1 on XX/XX/XXXX for {$35.00}. 
XX/XX/XXXX 3 fees of {$100.00}. 

There the lengthy deposits begin on XX/XX/XXXX for {$1700.00} and XX/XX/XXXX I called in to see this was taking longer to clear and they respond that it was a new account when I had similar deposits before.

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 2023-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
A collection was placed on my credit report from Radius Global Solutions with the original creditor being XXXX. - I have never opened an account with this company and have no knowledge of what this is. I believe this has been put on my credit report oe mistake or fraud. I have excellent credit and monitor it daily - This is not my account nor my debt.

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2023, l made a mobile deposit for {$2500.00} on my Truist mobile app. The next day I was informed by email that a administrative hold was put on my deposit and the funds would not be available until XX/XX/XXXX. The reason for the hold was the bank didnt think the funds were available. The check I deposited was written on a local bank and was paid by the other bank on that very day ( XX/XX/XXXX ). I got on my banking app and contacted the bank that day and asked about this hold. I was told it couldnt be lifted until the hold ran out. I informed the bank that I needed my funds to pay some bills that were due. The woman I was talking to said there was nothing she could do and apologized. I told her the check had cleared so there was no reason to hold the deposit. She told me she would file a complaint for me but that was all she could do. As of today, I still am not able to access my money and I do have bills that are passed due and I need some of my prescriptions filled ; but since I am unable to access my funds, I have no way to do this. Basically, the bank is holding my money hostage for my own good according to the woman I spoke to on the banks website. I feel that they have overstepped their authority when they think they know whats best for me and my funds.

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 2023-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Repeated back to back phone calls, at times minutes in between

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MD

Complaint narrative:
The following companies show inquries on my credit report without my knowledge or authorization:

- 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

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 2023-03-26 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: MD

Complaint narrative:
The following companies show inquries on my credit report without my knowledge or authorization:

- 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

Company response to consumer: Closed with explanation