vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/ I was charged overdraft fees due to some charges that hit my account. 
I contacted Truist in order to figure out how to avoid overdraft in the future and if I could set my card up where I did not get charged if I did not have any money in my account since I had shut down my business temporarily and did not have any money coming in. They instructed me to avoid charges to my debit card, to use the card controls feature, in which I can Lock my debit card from charges, which I did so on XXXX XXXX XXXX 

Truist fraudulently allowed merchants to continue to charge my account using the debit card that was locked. I was notified on XXXX XXXX XXXX via email that I had overdraft fees of {$72.00} ( {$36.00} dollars each ). I assumed that no charges would hit my account since XX/XX/, since my card was supposed to be locked via card controls. 

I was lied to by Truist employees that the only way to not be charged was to use the lock my debit card feature in card controls. If I would have known that it was going to be continually charged on my debit card, I would have just closed the account and waited until a later date to open another business bank account, since I was temporarily shutting down my business.

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 2022-12-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Attempted to open a credit card with American Express. American Express queried XXXX for my credit report. XXXX is reporting to American Express that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I had XXXX twice this year, once in XXXX and in XXXX. Around XXXX or XXXX I called in to ask for a forbearance and the call rep said I was not eligible because I was not late on payments and did not test positive for XXXX. Got XXXX in XXXX and called in and got a forbearance they sent me a letter saying I had XXXX months of forbearance and when I called at the end of XXXX months to make my payment they wanted me to pay more over XXXX months but I was not able to do so at that time and now they say that I might get foreclosure if I dont pay full amount I also tried to fill out home owner assistance fund XXXX after my first XXXX and answered all questions honestly and they denied me so I would like to file a complaint on both parties

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NV

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 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 2022-12-13 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: TX

Complaint narrative:
Please remove this HARD INQUIRY. I did not do this..

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft as I stated previously the items listed on my credit report are fraudulent and do not belong to me, i had nothing to with this. I would like to know how the fraudulent accouts were verified and when,

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 2022-12-13 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: AL

Complaint narrative:
Equifax is not updating my credit report to reflect the correct information. I will upload information from other credit bureaus to prove that my information is not getting updated in the system. My credit scores are wrong and the last time my information updated was in XXXX which is wrong. I will be reaching out to upgrade to make sure they report my updated information to all bureau, furthermore equifax is showing inaccurate information across the board on their website. XXXX This needs to be corrected immediately. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to Metro 2 standards.Accounts are as follows, 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 explanation
Consumer complaint received 2022-12-13 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: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
I have requested the removal of an account reporting from TRANSWORLD SYSTEMS on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not open an account with TRANSWORLD SYSTEMS on XX/XX/2022 and this account does not belong to me. I have never opened an account with this company for any reason. I do not owe any money to TRANSWORLD SERVICES. TRANSWORLD SERVICES is reporting that I owe their company money to the three credit bureaus XXXX, XXXX and XXXX. I do NOT owe any money to TRANSWORLD SERVICES because I have never opened an account with this company for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover should have my account set for deletion on XX/XX/2022 Per Arizona State 3 Year Law.

Please ensure this account will be deleted from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
A XXXX XXXX loan account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt.

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.

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 2022-12-13 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: TX

Complaint narrative:
A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX  originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.

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 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
a Macys credit card was used that I did not authorize with left a balance and a charged off account. I do not own this debt, I tried contacting the merchant and filing disputes but they did not assist me with rectifying the 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 monetary relief
Consumer complaint received 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is a follow up for COMPLAINT # XXXX. I have reviewed my consumer report and found the following accounts are reporting inaccurately. These accounts are reported as late payments, unpaid balance and potentially negative. Credit reporting agencies have a duty to report consumer information to the best of their ability with 100 % accuracy! Please perform a thorough investigation and provide me with proof of these inaccurately reported accounts. If proof can not be provided, I demand these accounts to be corrected as positive and on time payments and zeroed out balance. 

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$140.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX ACCOUNT BALANCE : {$560.00} ACCOUNT NAME : XXXX XXXXT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX, XXXX ACCOUNT BALANCE : {$5500.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00}

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 2022-12-13 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: 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-13 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: FL

Complaint narrative:
The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means an consumer report or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is NOT accurate, date reported is NOT accurate, the date of last activity is NOT accurate, and date last reported is NOT accurate, account status is NOT accurate, and the original creditor name is NOT accurate.

This is grounds for removal. In accordance with the Fair Credit Reporting act. The Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions I did not give anyone my written instruction 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 2022-12-13 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: GA

Complaint narrative:
15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!!

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 

consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in XXXX XXXX software to the other agency to come back verified is not the proper way in law to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: WI

Complaint narrative:
I do not have a relationship with these creditors

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 2022-12-13 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: WI

Complaint narrative:
I do not have a relationship with these creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: PR

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, 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 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 2022-12-13 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: CarMax, Inc.
State: CA

Complaint narrative:
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 15 USC 1666B A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
a collection account popped up on my credit report coming from original creditor XXXX XXXX XXXX  in which I went to court for an eviction. I no longer owe this 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