vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife and I created the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This is still valid, it has been valid with XXXXXXXX XXXX then BB & T and now Truist. 
In XXXX of XXXX we added an XXXX XXXX XXXX. 
This is The XXXX and XXXX XXXX XXXX XXXX it is dated XX/XX/XXXX. 
on XX/XX/XXXX this was filed with a local Truist branch. 
Both trusts are identified by my social security number. This is stated in section 1.07 No New Tax Identification Number for the Trust. 
" Pursuant to federal income tax law, this trust qualifies as a " grantor trust '' for income and estate tax puposws in accordance with Code Sections 671-678 and is not required to have a separate identification number. The identification number for this Trust is either of our social security numbers ( see Code Regulation 1.671-3 ( a ) ( 1 ) ). 
Their 'back office ' wants to recharacterize our private trusts as business trusts. They never contacted me, our Truist branch. They just arrogantly and arbitrarily made ur are making unilateral changes to our accounts. It should be noted the original trust of XXXX is still in effect, the Legacy trusy of XX/XX/XXXX in also in effect. They have been with Susquehanna Bank, then BB & T and now Truist. No problems until this 'merger ' of equals. If more info is needed contact me or my attorney. 
2NOTE : My State of Maryland contact used the phrase 'Systemic Problem ' once I told her my sources had indicated approximately 60,000 accounts have been impacted. 
This was sent to XXXX XXXX This came to my notice on Monday XX/XX/XXXX, I called one of the Truist branches I deal with. The banker, XXXX, said yes his phone had been busy. The 'back office ' wanted to make our trusts into business trusts, all without my concurrence or even notice. nothing was done, no phone call from Truist, no email. this dragged into Friday the XXXX. I found a XXXX affiliate in NC that had, a year ago, a story on Truis and Social Security issues. So I called, talked to a 'reporter ' she took my info and contacted someone in Truist XXXX That as XXXX on XX/XX/XXXX. By XXXX a phone call from a Truist employee about my problem. I did not know this person nor his branch. It seemed my TV contact had hit a nerve. But arrogance dies hard. Today I filled with the North Carolina Commision of Banking. This was at the recommendation of the Maryland State Banking Commission because they think 'Sytemic problems exist in Truist for this behavior. I can supply the file number if you need it. So the Maryland Banking commission also offered your contact information, so here we are. 
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX MD XXXX XXXX XXXX IF NEEDED Attorney 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 2023-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
https : //www.coinbase.com/borrow Coinbase Borrow offers an individual the opportunity to borrow money using bitcoin as collateral. It doesn't work, at least not for me. It tied up my bitcoin as collateral and provided nothing in return. Coinbase has been unresponsive and hasn't returned my bitcoin despit me informing them that I no longer want a line of credit. There was an error at the end of the Coinbase borrow process. There was no loan confirmed. It simply said error. Afterward I noticed my XXXX was locked up as collateral. However, I never received anything in return. I didn't receive anything ( loan, a line of credit, cash, etc. ). I've told Coinbase I no longer want the loan and I've asked them to return my XXXX and unlock it as collateral as I never received anything in the first place. Support has been unhelpful. There has been no word around my complaints. Coinbase shouldn't be offering loans using XXXX as collateral given the service doesn't work properly and due to the fact that they are tying up user assets without giving them anything in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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  Account # Ending XXXX received two letters That has violated my rights, I will be uploading the Letters that 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) 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 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: GA

Complaint narrative:
I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues.

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 2023-02-12 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: GA

Complaint narrative:
I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues.

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 2023-02-12 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:
I have submitted online disputes about items on my credit report that are the result of incorrect information. But TransUnion has not responded to my request. These items should be removed from my credit report 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 2023-02-12 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: CA

Complaint narrative:
After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies : 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 2023-02-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting negative items on my credit report that I have requested to be removed. I spoke with their customer service department about these issue around XX/XX/2023 but they did not resolve the issues.

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 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
Requested mortgage assistance with my mortgage servicer. I was affected by XXXX. 
I have lost my employment 3 times because of the pandemic. I want to keep my home. 
the mortgage servicer has turn down my request 3 or more times for the forbearance or mortgage assistance. I have spoken with customer service a lot of times. I submitted application with my income with request for mortgage assistance XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: LEXISNEXIS
State: GA

Complaint narrative:
I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: TX

Complaint narrative:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccuracy # 1- The account numbers do not match. XXXX and Experian is reporting XXXX and XXXX is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct. 

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy # 3- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on XXXX. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says Debt Recovery Solutions,, open on XXXX ..i got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on my credit i have tried and tried to dispute this account, but no luck XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
Subject Request to remove unauthorized credit inquiry Inquiry made by : Inquiry made on To whom it may concern, I am writing to dispute the following information in my file. I received a copy of my credit report. And I noticed there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorization the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the name, business, address and phone number of those who made unauthorized credit inquiries. So I may contact them directly in addition, I respectfully reuest a copy of and documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documents that you have had the unauthorized inquiry remove. If you find that I am in error, then please send me proof of this Finally, I am requesting an update copy of my credit report which should be sent to the address listed above according the the provisions of 612 ( 15 USC 1681j ) there should be no change for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX Enclosed are the following two documents that verify my identity ID/DRIVER LICENCE SOCIAL SECURITY CARD

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 2023-02-12 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: TX

Complaint narrative:
Subject Request to remove unauthorized credit inquiry Inquiry made by : Inquiry made on To whom it may concern, I am writing to dispute the following information in my file. I received a copy of my credit report. And I noticed there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorization the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the name, business, address and phone number of those who made unauthorized credit inquiries. So I may contact them directly in addition, I respectfully reuest a copy of and documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documents that you have had the unauthorized inquiry remove. If you find that I am in error, then please send me proof of this Finally, I am requesting an update copy of my credit report which should be sent to the address listed above according the the provisions of 612 ( 15 USC 1681j ) there should be no change for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX Enclosed are the following two documents that verify my identity ID/DRIVER LICENCE SOCIAL SECURITY CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: CA

Complaint narrative:
After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies 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 2023-02-12 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: CA

Complaint narrative:
After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies : 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