vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: OH

Complaint narrative:
I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including 15 individual hard inquiries. 

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 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 explanation
Consumer complaint received 2022-06-25 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: OH

Complaint narrative:
I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including 15 individual hard inquiries. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

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

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

15 U.S.C1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: NV

Complaint narrative:
XXXX of XXXX, I was checking my credit report for the first time in a while. I noticed 5 unauthorized accounts on my report. I filed an identity theft report with identitytheft.gov today, XX/XX/XXXX and will submit a police report On this coming Monday, XX/XX/XXXX. I have called the creditors to report the accounts as fraudulent this morning, but there has been no help or luck with anything. I keep getting the run around and it appears that no one wants to help me. The total debt with all 5 fraudulent accounts adds up to {$8700.00}. Can someone please help me as this is a major inconvenience to my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
identity theft fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX  XXXX XXXX Balance : {$330.00}

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I submitted a request for debt validation on XX/XX/2022 via certified mail. Consumer Portfolio Services received the mail on XX/XX/2022. The information they sent back to me is a copy of a contract that has most of the words cut off making the information not legible. I requested a complete audit trail which I did not receive. 
I also submitted a Cease and Desist on XX/XX/2022 where I requested Consumer Portfolio Services stop all negative reporting to consumer reporting agencies. That only happened for a couple of days and they have since resumed reporting to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 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 has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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 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 has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Two disputes have been filed over the last several months with 5/3 Bank. 

They have been unresponsive to resolving the cases. I have complete documentation of the emails that were sent to 5/3 containing the information they requested. 

In my opinion it is less costly for the Bank to do nothing than use the resources to close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I qualify for the Public Service Loan Forgiveness program available through the Biden modification plan. I have submitted the completed and signed employment verification form through the Federal Student Loan website three different times. Their response to my submittals have stated each time that the form has incomplete or missing information. I have highlighted in yellow each section required to be completed and confirmed the information is accurate before submitting the form each time. The latest response letter dated XX/XX/XXXX states : " Missing Information : Your employer certified the dates of employment that were entered in Section 3 of the PSLF Form. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies correct dates. '' My form clearly shows the employer entered by begin employment date is XX/XX/XXXX and that my employment end date is " still employed. '' The form was signed by the Human Resources representative on XX/XX/XXXX. A previous application was rejected based on similar reasons. My application was reject in XX/XX/XXXX because " Section 4 was not completed, '' however, I am employed by a state government agency and the form clearly states to only complete up through Section 3, then sign and date the form. The other submittal was rejected in XX/XX/XXXX because " Your employer did not provide a name or EIN in Section 3. '' However, the form had all of this information clearly provided on the form. 

I believe that the Federal Student Loan agency and/or my loan servicing company XXXX XXXX is deliberately rejecting my PSLF form and my application in order to deny my student loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are several items wrong with my credit, There is 1 wrong employer listings that needs to be deleted 2 previous addresses that are not true and A XXXX XXXX I never signed for that needs to be deleted. I want to also validate 2 accounts and there is a charge off that is no true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: PA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$850.00}, XXXX XXXX Balance : {$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 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I rencently opend an checking account with navy federal credit union, first few of days its fine, and after I enrolled XXXX and send two small amount payment to my another account, what's happed is first, XXXX is been locked after that my account can not login. so I immeditly contact their specialist. First they tell me to summit my ID and 3 times signatures, I did so. Then the second day they tell me I cant sent it separately, it need to be done at the same, I was been instructed to put my id beond the paper with my three signatures. I did. And third day they tell me I got to write ( yes literally write by pen ) a request to change my code word, I did. but them still turned me down. And to day, they ask me to write again, I did so with their specialist on the phone call. And after all those they still do give my access back. I cant even close the account, they tell me to visit a branch but for doing so, I have to go to another state, is totally undue burden. After all those day all those thing I do I still not have access of my account. I spoke with them on the phone for hours, could you imagine that? What a horrible exprence for me. I did everything they tells me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

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

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

15 U.S.C1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: SC

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

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

15 U.S.C1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE. EQUIFAX BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EQUIFAX ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This report was made to the XXXX XXXX XXXX. 
On XXXX the mail was retrieved from our XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ga XXXX retrieve opened envelope from citibank. 
inside of envelope a letter no of the citibank official letter head but had the code beginning at the bottom FRD which is the doj/fraud unit. 
it appears there is a possible operative within this unit and or someone within the postal service possibly switched out forms. the envelope contained a commercial it form and wanted writing samples and also requested tons of personal information. this is not legit. 
we will not be submit information which will cause us to have more fraud or accused of us of committing fraud by transferring signatures. 

furthermore, if citibank is attempting to be post-proactive like the other fraudulent mortgage companies, it's a lot bit to late! another admission of guilt! 


this is OUT OF CONTROL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NV

Complaint narrative:
XXXX of XXXX, I was checking my credit report for the first time in a while. I noticed 5 unauthorized accounts on my report. I filed an identity theft report with identitytheft.gov today, XX/XX/XXXX and will submit a police report On this coming Monday, XX/XX/XXXX. I have called the creditors to report the accounts as fraudulent this morning, but there has been no help or luck with anything. I keep getting the run around and it appears that no one wants to help me. The total debt with all 5 fraudulent accounts adds up to {$8700.00}. Can someone please help me as this is a major inconvenience to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NV

Complaint narrative:
XXXX of XXXX, I was checking my credit report for the first time in a while. I noticed 5 unauthorized accounts on my report. I filed an identity theft report with identitytheft.gov today, XX/XX/XXXX and will submit a police report On this coming Monday, XX/XX/XXXX. I have called the creditors to report the accounts as fraudulent this morning, but there has been no help or luck with anything. I keep getting the run around and it appears that no one wants to help me. The total debt with all 5 fraudulent accounts adds up to {$8700.00}. Can someone please help me as this is a major inconvenience to my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
THIS IS NOT A DUPLICATE COMPAINT OR MATTER : I was promised a XXXX inducement for signing up for a new account. When I called to day the lady first disagreed then agreed then I told me I would have to go into a branch to get it and I informed her I am XXXX then had to send me to talk to someone else ( I was picked as the lucky person to leave a review after the call was over ) after holding for a long time I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
To whom it may concern, On XX/XX/XXXX and XX/XX/XXXX, I sent all XXXX Credit Bureaus certified letters asking for Validation of the debt stated below. They never sent me any letters and accounts still remain and have not been fully validated. 

TD Bank/Target credit XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE. TRANSUNION BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE TRANSUNION ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

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