vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX Balance Owed : {$6600.00}

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 2022-07-20 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: AL

Complaint narrative:
There are inquiries on my credit report that I didn't authorize. I've contacted Transunion and was told that I have to file report with FTC. 

XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX

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 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased a car XX/XX/XXXX with XXXX XXXX XXXX, I put no money down nor did I have a trade, they told me that the bank regional acceptance would reach out to me in a few days to do an interview about the car. When I received the call the banker asked me if I had traded in a car and if my car had remote start, luggage rack, and a trailer hitch and if I traded in a XXXX XXXX XXXX and I was going back to take a {$1000.00} to put down, I informed him that I was not and that the car had none of those add ons. He then told me that he was going to reach out to them so they redo my contract, the following week the car dealer reached out to me and asked when I could come in and sign the paperwork I told them XXXX XXXX as I was out of town on work, I received a call from the bank on XXXX XXXX asking if I went into the dealership to sign my contract, I told him no I was still out of town he then informed me that he had a new contract from the dealer with a fraudulent signature on the contract, he compared the 2 signatures ( from my old contract and this new one ) and knew the new one was signed by someone else .on XXXX XXXX I received a call from the GM of the dealership saying he did not know anything about this till this morning and that he asked around and no one would admit they did it, he then asked what I wanted to do with the car and told me to call him back tomorrow.

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 2022-07-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 2022-07-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX/ XXXX  Account # XXXX XXXX XXXX Account # XXXX Macys XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 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 2022-07-20 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: NJ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I am requesting a detailed explanation of the late fees of {$370.00} charged to my account, as noted on the attached statement with a due date of XX/XX/2022. Also please forward the reason {$1000.00} was placed into a suspense account and not credited when received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
I have been unable to obtain my credit report from Equifax for over 2 years. My most recent call to them was on XX/XX/XXXX. I can not access my equifax.com account and lenders can not pull my report. Instead, a message to call the consumer care center appears. The care center stated there's an " internal block '' on my credit, however, it wasn't placed by Equifax per their representative. They asked me if I recall being a fraud victim and I said no I have never been a fraud victim. They can't tell me who placed this " internal block '' on my credit. Finally claiming that I placed the block or " maybe a creditor placed the block ''. When I tell them I did not place block, and I did not authorize anyone to place a block on my behalf so I'm requesting they remove it, they stated I must send copies of personal identification information ( birth certificate, social security card, and driver 's license ) via FAX or MAIL. When I told them I refuse to send those documents to a company that had a major security breach and would like a physical address where I can resolve this matter, the representative put me on hold for greater than 30 minutes ( my lendor can confirm this ) and never spoke on the line again. I have had this same experience In XX/XX/XXXX. I want this " internal block '' with codes XXXX and XXXX removed. I want my access to my online account back. I did not place an " internal block ''. Who would place a block on only ONE of their credit bureau accounts? It is ONLY on Equifax and ONLY with Equifax that I have this problem. It is absolutely unacceptable that I can not see or access my own credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I received a phone call from someone pretending to be a Wells Fargo employee stating that they were calling because my account had been flagged for attempted charges in XXXX Fl, I reside in XXXX XXXX, NV. They said charges had been attempted at XXXX XXXX for {$500.00} and XXXX and a transfer thru XXXX for {$1000.00} The inbound phone number was a valid WF #, I know the number at a glance because I have been banking with them since XXXX. The caller used all the correct verbiage a bank employee would use so I had no reason not to believe I was on the phone with the bank employee. They said they had to cancel my debit card and issue a new one but in order to do so they needed information from me. I gave them my card # and they claimed to do the transaction to issue a new card, they said I would get a follow up within 24hrs. 
I waited but no call came, no new debit card arrived in the mail and upon looking at my account I noticied a {$1000.00} debit to my account thru XXXX sent to XXXX XXXX, no phone number was indicated.. 
I filed a claim which was denied, I made an appointment to see a banker, she said the claim said it appeared as though I transferred the money to myself. That makes absolutely no sense. She said I did nothing wrong and that I would get my money back. So she opened a 2nd claim. 
That claim was also denied, now Wells Fargo is claiming that I authorized this transfer, when in fact I did not. So first I transferred the money to myself, then I authorized the transfer to someone named XXXX XXXX, whom I do not know. 
I met with yet another banker at a different branch to see if I could get my claim reopened or escalated, again she's is looking at my account and says " Something seems off ''. I agree. 
They will not reimburse me for the {$1000.00} transfer and I know for a fact there were other victim of this same scam in California who did get reimbursed. Wells Fargo will not take any responsibility for protecting their customers from situations just like this. 
I feel like a victim that is not being heard and hope you can help me resolve this. 
I still bank with Wells Fargo even after dealing with this for the last 6 months but {$1000.00} is a great deal of money for someone on a fixed income and they just don't seem to care. I have exhausted my options with WF so I am turning to you to try and make this right. 
I will provide the documentation I have but feel free to contact me if you need further docs. 
Thank You. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have received a letter with the letterhead of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, IA XXXX. Letter states that I had applied to a Credit Card and states that I must call them to verify my identity. It also then states that this is about credit decision and consumer report. The letter asks that I contact Equifax. 
I never applied to a XXXX XXXX credit card. I believe this letter is a Fraud Letter to which I will not answer, nor will I call Equifax. 
I read on the internet that these letters are going out to people with an identical letterhead as that of XXXX XXXX. My concern is that whoever is doing this is obtaining my identity information and could be causing further damage to me and to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 2022-07-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NJ

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX  XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/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 2022-07-20 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: NJ

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-20 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: NJ

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: PA

Complaint narrative:
Reached out to company in regards to Equifax in regards to fraudulent account on report. Supplied documentation and opened dispute backed in XX/XX/2022. 
Account came back " verified '' without proof & verification of debt that i requested. 
Equifax failed to remove accounts which is a violation of my consumer rights. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was asked to deposit check by an individual and then transfer the funds via XXXX to pay for services. The checks turned out to be fraudulent. I contacted my bank and I was told u would need to take it up with XXXX. I did so and after a long discussion and sharing of documents XXXX stated they have a sincere desire to return all of the funds from the 5 transactions. I was told to instruct my financial institution to do a charge back. When I contacted my financial institution and the individual I had spoke to they told me that they can not do this, even after reading the instruction sent to me by XXXX they still refused to assist in returning these funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a bunch of inaccuracies on my credit report. All XXXX late payments have inaccuracies that don't match with all the credit bureaus. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

Transunion : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX XXXX XXXX XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all 3 bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.

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