vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have two accounts with Truist which total {$21000.00}. These accounts are never used and the money just sits there. I check the balance at least once per year. These accounts were originally in BB & T and I have held them for over a decade with no problems. 
Upon checking my balance in XX/XX/2023, I noticed fraudulent charges on a debit card in one of my accounts. I don't use either of these accounts and have never used the debit card that Truist sent me when they merged BB & T. The company making the fraudulent charges is unknown to me and I have no relationship with them. I reported the fraud charges immediately but Truist has denied {$89.00} of the charges because they occurred more than 60 days before I reported the problem. This policy requires the customer to be responsible for the safety of his money. Truist accepts no responsibility for the loss. 
I'm an old man and have had many accounts and many banks in my day. Truist is the first bank to lose my money and then refuse to make it right. For all I know Truist employees are stealing money this way. How could anyone know the numbers of my unused debit card? Only an employee could have that access. I accuse Truist employees of stealing my money and giving me no way to recover it short of a law suit. 
I only lost a small about of money and it could have been much worse. But I'm forced to pull my money from Truist and take my business elsewhere. I can not trust that Truist is able or even willing to safeguard my money. I've been told in no uncertain terms that my money is not going to be returned to 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 2023-09-14 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-09-14 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: IL

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft report. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I received a letter in the mail from XXXX XXXX XXXX stating that an account was in the negative - XXXX I've never heard of this XXXX XXXX and where I live there is no XXXX.. I called the company and they told me to report it to the local police and my bank, also report it as 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 explanation
Consumer complaint received 2023-09-14 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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from XXXX and Transunion dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under XXXX USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character. 

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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

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 2023-09-14 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:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-09-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XX/XX/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 explanation
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
I am writing to formally dispute the presence of certain items on my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information. 


I hereby request the immediate removal of the following accounts from my consumer report : XXXX Account Number: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 2023-09-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX  refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every XXXX  dollar less provides a better score. 


XXXX XXXX XXXX XXXX - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXX  Last payment date:XXXX Last payment : {$100.00}

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 explanation
Consumer complaint received 2023-09-14 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: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX  refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every XXXX  dollar less provides a better score. 


XXXX XXXX XXXX XXXX - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXXXXXX  Last payment date:XXXX  Last payment : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please read this statement and comply as it contains my full complaint and request : The discrepancies pertain to the following items : XXXX  XXXX XXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b UNKNOWN : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years! Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXXXXXX XXXX XXXX XXXX XXXXXXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023 I received a letter in the mail from VyStar Credit Union stating that an account was in the negative - XXXX I've never heard of this Credit Union and where I live there is no VyStar.. I called the company and they told me to report it to the local police and my bank, also report it as 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My partner and I were traveling in XXXX. On XX/XX/XXXX we were XXXX and robbed in our XXXX XXXX. Numerous items were stolen, including my phone and wallet, XXXX  Drivers License, etc. They managed to get into my phone and create a XXXX account with my TD Bank account. They created XXXX transfers totaling {$2500.00}. We were passed out from whatever they drugged us with for 14 hours. Once we came through we noticed the missing items. We called the police and were sent in an XXXX  to a nearby XXXX. We also filed a police report, which we provided to TD Bank. Once I got access to my emails I saw the transfers. The email confirmations provided an email and a phone number to reach out if it was fraudulent. I immediately reached out to TD Bank via email and by phone, this was on XX/XX/XXXX. I explained all and in my mind all was being taken cared of. My money was still in my account for up to 2 days in pending status. They still managed to let my money be transferred out. I reached out to them via emails that they provided with an update and eventually received bounce backs stating the e-mails were not valid.

Company response to consumer: Closed with monetary relief