vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: GA

Complaint narrative:
On or about the XX/XX/2022 ; I contacted XXXX and advised them that I was going to pay off the security system which I had purchased from XXXX. XXXX 's method of my paying in order to install the system directly was through using retain credit from XXXX. I applied while the XXXX sales person was at my house per his instruction. The {$4000.00} sale of the system was approved by XXXX. They subsequently sent me a card with the name XXXX retail credit on it and a number. There is no credit card information on the card. That is, with the exception that the funding is secured by the XXXX XXXX XXXX. It goes on to say " for participating locations only. '' There is no expiration date or security code on the card. 

I contacted the vendor XX/XX/2022 and advised them that, I had sent them a check for {$4000.00} via priority mail. I also told XXXX that I'd checked my Equifax credit report and that they miscategorized my credit to the credit bureaus, wherein, they listed they had provided me with a {$4000.00} credit card limit and I had used all of that limit to make a purchase. This dropped my credit score XXXX points, because XXXX told the credit bureau ( Equifax ), that I had a credit card with revolving credit. That statement was and is a lie, because that account was only opened for the purchase and installation of a new home security system. 

When in fact, the installment agreement has me paying {$66.00} approximately per month with no interest every month until the account was paid off. 

XXXX has no intention of following the law. They said as much by saying that no matter what I said, they were going to take 60 to 90 days to complete an investigation. Further, that they view my account as a revolving credit card account no matter what the card says or does not say. Most likely my credit report will not be corrected to show the account is an installment account. It will continue to show as though it is a credit card. 

This is wrong and I totally disagree. I say they are breaking the law and trampling my rights as this is what big business does on a regular basis, because they keep getting away with it breaking the laws in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, my daughter passed away and left 2 savings accounts ( for which she was the financial custodian ) for her children. These accounts were in Truist Bank. The bank failed to transfer these savings accounts when I established the XXXX XXXX XXXX XXXX account for which I am the court-appointed executor. 
Her 2 minor children, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX, now live with their father, stepmother, and her 4 children, Although he is the biological parent and children 's guardian he is not their court-appointed financial guardian. He refused to go through the proper channels to attain that appointment. A Truist bank manager wrote me, " A guardian of the minor 's property is someone appointed by the court. A parent is not the guardian of the minor 's property unless he/she has been appointed to that position ''. Also, he refused to pay the mortgage on the home that the children inherited and let it go into foreclosure despite the fact that there was ~ {$100000.00} in equity in the house. Clearly, he is not fulfilling his fiduciary responsibility to his children. 
In XX/XX/XXXX, their father, XXXX XXXX, withdrew the money from their savings account, approximately {$5000.00} and {$5300.00}, respectively. He presented the children 's birth certificates, my daughter 's death certificate, and his ID. Truist bank then cut him the checks, issued to both XXXX XXXX and XXXX XXXX, and XXXX XXXX and XXXX XXXX. He told me he set up accounts for them so they could access that money when they get older. Now, he has access to their savings accounts and I fear that the money will be spent carelessly and recklessly without the children 's knowledge or consent. 
On XX/XX/XXXX, I went to the local Truist Bank and asked why he was able to access and withdraw this money even though he is not their court-appointed financial guardian. Truist was not authorized to release this money to XXXX XXXX. They told me that the teller checked with her supervisor and received legal counsel approving these withdrawals. 
I truly believe Truist Bank violated its legal and fiduciary responsibility to XXXX and XXXX XXXX, and my daughter 's estate. I am requesting assistance in investigating whether Truist Bank was authorized to release this money, ~ {$10000.00}, to XXXX XXXX. 
Please advise.

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 2022-06-17 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi I purchased a XXXX XXXX XXXX in XXXX of XXXX at the major world dealership. I recently have come to find out upon trying to do a trade in that my vehicle has structural damage. The real value of the vehicle is no way near the price that I'm paying for it! Wells Fargo Bank wants to hold me responsible for paying my loan payments and deductable of the auction purchase still when I'm volunteering to give them reposition of it. I don't feel safe n responsible for a vehicle that was sold without any knowledge of what 2 people at XXXX told me.

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 2022-06-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ). 

I paid as soon as I am notified about the pending bill working with hospital  ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments. 

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc. 

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason. 
Attached lots of information. Still, I can provide necessary information, if you need any. 

Please help to get my desired score honoring my history.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: GA

Complaint narrative:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.

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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Late fees, disputes fee with 30 days, was no respond and late fees veries in amouts from XXXX and than in a diferentes sstanents it shows XXXX very strange.. Was not disclosed to me any if this ..Intrest discrepsancy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.

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 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately.

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 2022-06-17 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: FL

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately.

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 2022-06-17 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: GA

Complaint narrative:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: GA

Complaint narrative:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.

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 2022-06-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 1666B : A creditor may 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One opened two account 's in my name without my permission using a stolen email address XXXX, It is believed that these two credit card account 's were opened on or around the same time. I am not certain of the date of account opening as I NEVER received a card from this company. I never got a call to verify that I applied for this card, and My Stolen Identification was used to open said account. Capital one confirmed the one account was fraudulent and opened due to Identity theft, however the higher balance account Capital One is purposely trying to state this is my credit card, I never applied for this account. My only email address is a Gmail address, Capital One REPORTED A FRAUDULENT ADDRESS To go along with the account. I do not have any account 's with Capital One, I do not authorize any charges on the said account 's. I have never applied, nor received any credit cards from Capital One. Regardless. I am not responsible for account 's they allowed to be open using stolen identification, Especially with Extended Fraud alerts on my credit files, and Capital one yet still is attempting to report an XXXX XXXX Address on my Credit File which I will continue to dispute as not authorized. The account ending in XXXX I was just sent a letter for as of yesterday and all the letter says is account ending XXXX We have deemed this to be your responsibility due to the activity on the account. It states - Activity on the account indicates you opened and interacted with this account. The FRAUDULENT charges totaling {$2100.00} will appear on " Your next billing statement '' Mind you I have never received any statement 's from this company either. Again I do not accept responsibility for this account. No activity is my activity. I did not open this account, I did not receive this card, and I do not accept responsibility for Fraudulent Charges. Your inquiry has been blocked off my credit file, and I will continue to report this to the FTC and Identity Theft Resources. I am not accepting responsibility. I want this account removed from my credit file. I did not apply for this account, and I did not receive any cards for this account. The email address, and Address you have listed on these accounts ARE FRAUDULENT. Not authorize, Not accepted. I did not apply, and I did not use this card. I never received any cards from your institution and I want it off my credit file. FTC Identity Theft Affidavit is attached and this has been sent to the Credit Bureaus and to the police. I will make sure I continue to dispute this account, I want Capital One to Cease and Decist. I am not Agreeing to any debt I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX XXXX  XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief