vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a business checking account with Truist on XX/XX/2023, and I made a mobile deposit ( {$500.00} ) on XX/XX/2023, I found out that I could not log in anymore on XX/XX/2023. Tried to reset password, cant even get that done, the system or the mobile app did not give me any message of what happened to my account... So I have to wait until today, Monday, XX/XX/2023, to call the bank to find out why. After being transferred twice, I was talking to the Truist Fraud Department without any idea of whats going on. The fraud department told me that my business account has been locked because of the one mobile deposit I made on XX/XX/XXXX. I was told the check I deposited was returned they also asked 7 questions regarding this single mobile deposit, all questions answered of course. Then, I was told to call back on XX/XX/2023 regarding this matter, not any day early. I understand Truist is trying to protect the customers, however, why does one returned check take soooo many days to process??? Why do I have to wait for 8 more days to call??? Is the bank here to help us or causing us more problems? I need to do business with the business income, but now, I cant even access the account ; plus, I have to wait until XX/XX/XXXX to figure out whats going on, today is XX/XX/XXXX. This long waiting time is unacceptable! Also, why didnt the bank notify me in any method regarding the account locking???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-07-31 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: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
OnXX/XX/2023 myself and my realtor was reviewing my credit report and observed inquires on the report that I didn't not authorize. There was also a collection on the report the report as well. I know I am old to be buying a house but it is something I would like to pas on to my daughters and their children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: SC

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I received a promotion from Citibank stating if I open a new checking account and make deposits and use my ATM card within 90 days of opening the account, I will receive XXXX air miles WITHIN 30 days of meeting these requirements. 

I met these requirements as acknowledged by Citbank, but they will not honor the within 30 days clause and tell me that they will make it 90 days. I have escalated this showing them the promotion i was offered. They will NOT honor their own promotion. I have travel plans that I was counting on these airmiles and Citibank decides to change their own rules as they desire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
I do not recognize any of the 19 delinquent accounts on my credit report listed under Affirm INC . Initially, I thought these may have been mine when I noticed all of my information attached to these accounts ; however, upon doing more research I quickly discovered that these accounts are not mine.These loans were all processed online and when I tried to dispute these loans to all three credit bureaus theyve come back as verified. When I tried to speak to a representative at the Affirm company these just told me it was their duty to report such information to the credit bureaus. Please have Affirm INC remove all 19x delinquent loans from all three of my credit reports from each bureau as I have been a victim of identity fraud. I have submitted a report with the FTC, for the maximum amount of accounts possible - 5x in total with Affirm INC . However, Affirm has hands down been the worst company to try and get this errors removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have contacted National credit systems on multiple occasions I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also to their email as requested at identitytheft @ nationalcreditsysyems, XXXXnationalcrediysystems.com and XXXXnationalcreditsysystems.com. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in XXXX XXXX XXXX XXXX XXXX please investigate this read the police report and remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Showing loan under my name for fifth third bank which i never had vehicle with as we look up the vehicle the company don't ever own the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX requested that PRMG disclose the information to the bank issuing the certificates of indebtedness. 
On XX/XX/2023 PRMG responded by disclosing the information. PRMG disclosed that XXXX XXXX was the loan owner. 
On XX/XX/2023 PRMG sent notice of Servicing Transfer. 
On XX/XX/2023 I, XXXX XXXX sent PRMG notice, that I did not consent to the transfer and I requested that the Credit Balance be applied to the Consumer Account. 

PRMG has sold the loan to XXXX XXXX  without my approval or consent. I do not waive my rights nor have I waived my rights under 1002.2 Paragraph 2 ( c ) ( 2 ) ( ii ). Nor do I waive my rights to a Servicing Transfer. PRMG is in default, PRMG has sold the loan without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I leased a vehicle from MBFS in 2020. I purchased additional miles over the base of 45k up to 48k. Per the contract I would be refunded the unused miles below the 48k. I traded in the vehicle with a new lease. The leased vehicle traded in was at 17k miles and thus I was owed XXXX XXXXXXXX. Thats XXXX miles purchased at a {$1.00} per mile over 45k miles. MBFS is saying multiple excuses and refusing to refund the amount as stated per contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
Representative acknowledged they has the wrong contact information -except email-which was how the individual was initially contacted back when account was sent to RDAC. 

RDAC sent account to credit report without notifying intent to do so per federal law of a 14 day notice which requires a debt collecter to speak to individual directly, send electronic communications, or mail individual notice. Even after, individual reached out to company multiple times to reset password to portal-without willingness to do so. RDAC did not up date phone number, which changed later part of XXXX, or mailing address when requested. Account is current and would like the account removed from credit report due to violation of federal law credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I never gave Bank of America permission to sale or trade anything from Cash management account I never gave Bank of America permission to change or to change beneficiary with the SEc filings report I own 10 % of the company someone taking an that why account got close illegally transaction embezzlement money laundering by law u have to contact the stock holder any transaction failed to do that any loans grant 's anything failed to do that leave me one reason the next person who changed anything on my account file federal charges my shares my interest better be deposited in to my Cash management 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 explanation
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: WI

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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: WI

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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation