vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX  # XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2023-08-04 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: LA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-04 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Lvnv funding llc XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX Lvnv funding llc {$470.00} XX/XX/XXXX Lvnv funding llc {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Twice, XXXX  of dollars were removed from my savings account overnight. It happened once and they couldn't explain it and then turned around and did it again a few days later. This was money I inherited from my mother. I had to move what little I had left from their bank and I have never gotten an answer of it returned. It is truly a horrible bank!

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: MO

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
After the vehicle was deemed a total loss resulting from an accident Exeter finance continued to report late payments to the credit bureaus for over 90 days. All payments from the insurance company were made with 30 days. The GAP insurance covered the remainder of the balance after 45 days. Exeter continues to charge me interest and fees they claim I owed after all payments were made. I sent them another {$450.00} and a signed statement document on XX/XX/XXXX. The continue to hold the payment until it reported at being 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: AR

Complaint narrative:
Today, I signed on to usbank.com to use the bill pay service. I had notifications on 2 of our credit card accounts with them that both showed those accts hadn't been paid since XXXX! In my investigations and conversations with their reps to find out why I had not received paper bills for these accounts, they informed me that they were changed to e-statements only. I did not make this change and have declined paperless statements many times, which my account record would show. Our granddaughter has one single account under the umbrella of our accounts but is only in her name. It looks like when she requested ebills for her account, something she clicked made ALL of our accounts paperless EVEN THOUGH SHE IS NOT ON ANY OF THOSE ACCOUNTS. We have worked very hard to bring our credit rating above 800 and now it will show 30, 60 and possibly even 90 days late on 2 of our accounts as they haven't been paid since XXXX due to my not having a paper bill in my hands. They did credit one of the accounts the late fees but not the other one. Not to mention I had to pay nearly {$400.00}. all at once, today, to bring those account current. There has been extra interest incurred on both accounts due to not having the principal lowered for all of these months. How dare they allow someone who is not even on those accounts make this type of change on them?! I am furious and will be closing all of our accounts at USBank as soon as I can. I would do it this very moment but there are pending charges, so I have to wait until they all clear. I will then use the next balance transfer offer I get in the mail ~ and believe I get a lot of those! ~ to transfer all credit card balances away from US Bank. They will not earn XXXX XXXX more from me that I can avoid. It is unconscionable for them to allow changes to be made to any account by anyone other than the account holder ~ and then to hold us responsible for the extra interest and late fees associated with said changes is appalling. Do I have any recourse?

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On sunday XX/XX/XXXX I purchased equipment from XXXX XXXX I wrote hi a check for XXXX made out to cash. That evening his mother attempted to deposit it via mobile deposit. On Monday around XXXX XXXX XXXX up to my business saying the check was bad. So we both went to the bank, we approached the teller together, he explained the check did not deposit, the teller said it was due to it being made out to cash. I asked the teller if the check was voided- she said the check was voided, she also printed off a screen shot of my account and showed me where the check was pending, but would not settle in his account. Therefore I wrote XXXX a second XXXX check, which was cashed on the spot. A day later the initial check # XXXX was withdrawn from my account- I immediately disputed the charge- and the bank told me it was my responsibility to recover the funds from XXXX. Both the teller that submitted the dispute ( different from the teller that assured me the check was voided ) and the branch manger XXXX XXXX agreed the teller was at XXXX but both through their hands in the air. I have contacted my local sheriff 's office to begin a formal investigation process. I have banked with chase for XXXX years, both personal and business ; it baffles me how they have handled this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an XXXX payment through Bank of America of {$3100.00} and the funds were immediately transferred to another account via direct deposit. I didn't set up direct deposit, and called B of A to clarify. This transaction was sent to an unknown individual, and B of A refused to refund the money during the fraud investigation. The frauf investigation was denied three times with only a letter in the mail with the fraud preparator 's email address. I've yet to get an explanation for the criminal and fraudulent transfer.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Opened my account with Truist bank in branch on XXXX XXXX and made a XXXX dollar deposit with a money order from the post office I bought. The next day the money order cleared so I XXXX payment to myself XXXX of those dollars to another account I bank at. This bank froze my account with my funds in it and wont tell me why, wont fix it and told me to call ews. They cant do this without notifying me first or telling me why. If they were going to deny my bank account they shouldve never taken my money. I wrote a check out of there to close my account. This is unacceptable treatment.

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 2023-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: MD

Complaint narrative:
I signed up for Albert.com XX/XX/XXXXsubscription feature and I on the same day that I was charged, I requested they refund me the {$96.00} that they charged me. So far I can not cancel the subscription and they have refused to refund me the {$96.00} because they say a savings deposit must complete first in order for the {$96.00} to be refunded. I do not understand what this has to do with my {$96.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: NC

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 U.S.C. 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 XXXX15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy.

*15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

*15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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 non-monetary relief
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or list of inquiries 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 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 2023-08-04 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: TX

Complaint narrative:
National Credit Systems is trying to collect a debt on behalf of XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  are saying I owe rent which is not true. I am on XXXX  XXXX. I always paid my portion of rent and XXXX XXXX XXXX XXXX is responsible for the rest. I moved out XX/XX/XXXX  and any rent and cleaning fee was taken out of my deposit. XXXX XXXX XXXX XXXX reversed rent for XXXX due to my lease ending and I no longer lived there. The account is not owed by me nor is it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
i would declare this loan off my credit report i called XXXX to remove this loan off my credit report and i would not like for Acceptance insurance to give me a call. Its dropping my credit score due to them saying im not making payments & i am. I would like for the loan to be took off my credit and like my title. I also signed some things without permissable purpose of the consumer report which is in 15 U.S Code & 1681B which is against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After pulling my credit report XX/XX/XXXX  Ive noticed discrepancies from each credit bureau regarding an account on my credit report this company XXXX XXXX XXXX  XXXX has report incorrect information to each credit bureau to keep my report at a negative

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
In XX/XX/XXXX  I filed a chargeback for products I did not receive from the merchant XXXX XXXX American express approved the dispute and refunded my money. 4 Months later, in XXXX they charged the money back to my account totaling around XXXX and not expecting me to pay it back after I have already rightfully won the dispute but I never received the products.

Company response to consumer: Closed with explanation