vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received XXXX separate emails from Truist saying my mortgage payment was not received. I then received an email that my mortgage was current, as I did make my XXXX payment. But after receiving an apology email from Truist at XXXX XXXX today, I then received another email ( the 10th email ) at XXXX XXXX  notifying me my XXXX mortgage payment was not received. Even though I have confirmation from my bank that the payment did post on XX/XX/2024. I attempted to call Truist but encountered long hold times so I didn't have time to stay on the phone.

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 2024-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a TD Bank Signature Savings Account. I was supposed to receive a bonus after doing the following, according to TD 's website : " Open a new TD personal savings account online. This can be either a TD Signature Savings or TD Simple Savings account.

Deposit at least {$10000.00} in new money within 20 days of opening. New money means funds not previously held in any TD Bank checking or savings account. 
Maintain a minimum balance of {$10000.00} for 90 days from the date you first met the deposit requirement. 
TD Bank will credit your account with the {$200.00} bonus within 180 days after account opening. '' I have not received my bonus. Unfortunately, due to the very poor customer service offered by this bank, I have to complain to a regulator to get this issue resolved. Currently, I am dealing with fraudulent transactions on another account, which TD will not remove, as required under US Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Subject : Unauthorized Inquiries on Credit Report Dear TransUnion, I am writing to express my urgent concern regarding unauthorized inquiries on my credit report. The following list details the recent inquiries made without my explicit consent : XXXX. XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these inquiries not only breach my privacy but also raise concerns about potential identity theft. In addressing these unauthorized inquiries, I want to highlight the following legal violations : 1. **Fair Credit Reporting Act ( FCRA ) Violations : ** - Section 604 : The inquiries lack permissible purpose.

- Section 606 : The disclosure of investigative consumer reports occurred without proper authorization.

- Section 609 : I have not been provided with adequate disclosures about these inquiries.

- Section 611 : The procedures for disputing inaccuracies have been overlooked. 

XXXX. XXXX XXXX XXXX XXXX XXXX Violations : ** - Title XXXX, Chapter XXXX : Unfair or deceptive acts or practices have been committed.

- Section 37-20-110 : The unauthorized inquiries are clear violations of this code.

- Section 37-20-160 : Procedures for correction of inaccurate information have been disregarded.

I demand an immediate and thorough investigation into these violations, with prompt removal of these unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress for the damages incurred. 

Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. 

This complaint was construed and submitted in good faith.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' TD BANK USA/TARGET CREDIT, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, TD BANK USA/TARGET CREDIT whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these companies to pull my credit.

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 2024-01-16 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I did not authorize these companies to pull my credit.

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 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
XX/XX/XXXX Dear Early Warning, Thank you for contacting in regarding the matters of concluding I have no consumer rights in regarding to my right to privacy pursuant to the Act 1974. I'm providing you honor and convenience and demand the same throughout this process. 

I have received my consumer report via " secured portal '' and demands for you to provide the terms and conditions under the ESIGN Act. I fail to believe such report/file is full disclosure and demand the full disclosure pursuant to FCRA. 

Since my signature was required under duress to receive my file, a financial interest in your company according to the Prospectus form pursuant to the Securities Exchange Commission, which injures and violates me. 

I accept the offer after receiving my consumer file conditionally on Early Warning providing full disclosure of the file and after receiving such file under UCC 1-308 without prejudice. This is my notice to inform you after receiving my consumer file. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dear Equifax, Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here are follows are items in error I would like the following inquiries to be removed from my credit report and I would like to dispute these credit inquiries that are placed on my credit file. 
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 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 I do not recognize any of this information please remove from my account thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquiries below are fraudulent and dose not belong to me I did not authorize anyone to pull My credit for any credit application 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 2024-01-16 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
XXXX, Transunion, and XXXX are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX, XXXX, and Equifax are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX  should be okay and XXXX should be deleted and current balance

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX should be okay and XXXX should be deleted and current balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX should be okay and XXXX should be deleted and current balance

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 2024-01-16 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly refer to the attached documents.

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 2024-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
I lived with my wife at a complex called XXXX XXXX '. During our lease XXXX  XXXX violated the terms of the lease. Our apartment was flooded 3 times weekly, had electrical issues due to the repeated flooding, and the neighbors upstairs had a vibrating bed that effectively sounded like an idling semi truck. After only 3 weeks of living at XXXX XXXX, we had already made multiple attempts with management to resolve the issue, which turned out to be an XXXX couple with XXXX that lived in the unit above us. We endured the lease as long as we could with no help from management to resolve the ongoing problems before moving out due to our denial of 'use of space ' clauses amongst the other lease violations by XXXX  XXXX. We are currently pursuing litigation. XXXX XXXXXXXX, who is not authorized to even hire a debt collector as they are owned by XXXX XXXX, whom we are also suing, hired this shady debt collection agency. These people at National Credit Systems, sent a notice to our old address in an attempt to illegally circumvent the FCRA and FDCPA and 1 week after sending said notice, violated the FCRA and FDCPA yet again by placing this unowed debt on my wife 's consumer credit reports and my own. It is obvious that this debt collector is ad comfortable violating laws and our rights just as XXXX XXXX and XXXX XXXX were. I have nearly 9 months of video documentation of the ongoing flooding, the apartment vibrating and the loud incessant noise as well as the previous tenant who also moved out for the same reasons we did who fully intends on testifying to the fact that these issues were known, and XXXX  XXXX deceived us intentionally to get us to move in by lying and telling us there were no issues with that unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: R.M. Galicia, Inc.
State: TX

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX which lists PROGRESSIVE as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reacheed out to yu all early XXXX of XXXX  and I am very disappointed in your respoinse, the issues were not resolved and I am still going through these issues. There are 2 collections that are on my credit files that do not belong to me and must be removed asap. They were caused by identity theft I am assuming. ALl I know that I DID NOT CONSENT TO DOING BUSINESS WITH THESE 2 COMPANIES NOR WAS I AWARE OF THESE COMPANIES UNTIL XXXX OF XXXX WHEN I INITIALLY REACHED OUT TO YOU ALL. YOU KNOW THAT YPU ALL ARE VIOLATING MY RIGHTS AS ACONSUMER AND THAT BY FURNISHING INFORMATION THAT I DID NOT AGREE TO MOR WAS I AWARE OF I CAN TAKE LEGAL ACTION WITH YUR COPANY FOR FALSELY REPORTING INCORRECT INFORMATION... There is also a Collection reporting on my child support,, i was never late and that needs to be removed asap! 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information to my credit report. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud therefore you can not legally report this alleged late payment to my credit report AND 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore you can not legally report this information. 

PLEASE ESOLVE THIS MATTER ASAP.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries below are fraudulent and werent authorized by me to pull my credit report 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 explanation