vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a response to complaint XXXX To Whom It May Concern, You stated that these inquiries are a matter fact. PROVE IT! I asked for you to provide validation of these inquiries and you failed to do so. I will ask one more time to provide validation. You also stated that per the FCRA these inquiries are not routinely removed. I really need to pay attention to what is going on here. I did not give authorization for the inquiries provided so they should not have been placed on my consumer report! That is the reason that I am asking for documented validation with my wet ink signature bearing authorization for these inquiries and also validation showing that I gave permission for this information to be furnished on report as well. I, the consumer and natural person am telling you that I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. These are violations of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy. You took a companies word ( hearsay ) for it and just placed these inquiries on my report with receiving validation. 

Once again, please validate this information with these companies and provide me with full documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you XXXX to produce a contract between you and I, the consumer and natural person bearing my signature showing that I gave you permission on my behalf. 

Pursuant to the FCRA 15 USC 1611 anyone willfully or knowingly providing false information and/or inaccurate information is subject to certain penalties. 

I know that you did not do your due diligence in validating this information before you decided to furnish because you would not have been able to validate this information as I did not provide consent to these inquiries. 

In the absence of such documentation bearing my signature, I formally request again that these unauthorized inquiries be removed from my consumer credit report immediately that you maintain under MY social security number. 

Please be advised that I expect a response within 15 days from the receiving this notice. 

Inquiries in question : XXXX XXXXne Bank XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX : XXXX ' XXXX in good faith. Without prejudice. All inalienable rights reserved. 

Any extra info needed : XXXX XXXX XXXX : XX/XX/1990

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Have banked with SunTrust for yearswhen they merged with BB & T to become Truist we had a few issues here and there but chalked it up to glitches. Have always deposited checks online and never once had an issue or hold no matter amount of checkdeposited one on XXXX of XXXX and they put a hold on until XX/XX/XXXX!!!!! I have deposited several checks from same company for even higher amounts and never once had an issue. This is ridiculous and puts ppl in binds not releasing funds for weeks. We are looking at going elsewhere now

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 2022-09-25 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: CT

Complaint narrative:
On or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. XXXX XXXX hasnt removed anything. Equifax is still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXcurrent i have reached out to both the company and all 3 credit bureaus. i would like to file a complaint regarding the reporting of XXXX XXXX last delinquency date of XX/XX/XXXX instead of XX/XX/XXXX when the repossession occurred. 
This is being reported to XXXX and TransUnion per the credit report. since its been reporting wrong i would like it removed

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 2022-09-25 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
XXXXcurrent i have reached out to both the company and all 3 credit bureaus. i would like to file a complaint regarding the reporting of United Auto last delinquency date of XX/XX/XXXX instead of XX/XX/XXXX when the repossession occurred. 
This is being reported to XXXX and XXXX per the credit report. since its been reporting wrong i would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule the requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loan, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and /or score. My social security number information was breached and alleged creditors have used my social security number and are in violation of the privacy act of 1974etc. unless they can prove a written contract exists.

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 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transunion, should you choose to ignore my evidence and my disputes, litigation shall comense first violation 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? 
XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. 

thats where you got your information fROM Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates THE LETTER FROM THHE COURTHOUSE IS ATTACHED THE COURT NEVER GAVE YOU PERMISSION NOR DID THEY VERIFY ANY INFORMATION WITH YOU violation 15 usc 1681a- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
In short terms YOU TO have investigated & verified they must have spoken friends, neighbors or associates etc. and if they spoke with them the information Provided can not be factual ANOTHER COMPLAIN SHALL BE FILE WITH THE ATTORNEY GENERAL, SINCE YOU CAN NOT VERIFY THIS INFO AND STILL CHOOSE TO REPORT UNVERIFIED INFORMATION ON MY REPORT XXXX XXXXXXXX removed it because they also could not verify it. so please tell me who you spoke to at the court house, name address and phone number

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 2022-09-25 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: AmeriCollect
State: NC

Complaint narrative:
Americollect, Inc are reporting two alleged debts to My Consumer Report and also are in violation of 15 USC 1692c ( a ) ; communication without prior consent. 
15 USC 1692e ; using false deceptive or misleading representation and also in violation of 15 USC 1681 ( a ) ( 2 ) must have written instructions of the consumer to whom it relates I have disputed the items with the company I've sent in several letters and upon them calling me to ask me about the debts no letter was responded too. 

This is also identity theft by obtaining personal information without prior consent in creating an account in my name without my knowledge I understand 18 u.s.c. 894 will also be violated once a police report is filed and it's already been stated to them that they are in violation of these other codes and nothing has been done I'd also like to point out according to the nmls consumer access website they aren't legally allowed to do business in the state of North Carolina

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
I graduated XX/XX/XXXX and was told I'd get my security deposit of {$500.00} back within 2-3 business days. I did not receive it so I contacted customer service and was told I had to wait a full 30 days to give postal the " proper time '' to deliver my check. They confirmed my shipping address. 

I waited a full 30 days ( and then some ), and I contacted customer service again on XXXX through the chat feature and was told they would resend. I also called on XX/XX/XXXX. They told me they would re-send the deposit and that I should receive it soon. Yet again, I did not receive it and I contacted customer service again on XX/XX/XXXX ( another full 30 days and more ) and was told AGAIN that I had to wait another full 30 days for my deposit before requesting for another check. I am extremely frustrated as my security deposit of {$500.00} has not come back after I was very timely on all of my payments. I should not have to wait 2 months to receive a security deposit and when asked for them to investigate, they said I had to wait another 30 days...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: UT

Complaint narrative:
XXXX XXXX XXXX - This company ( XXXX  ) increased my credit limit at my request. I began to order more items from XXXX because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. XXXX nor XXXX were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. XXXX finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at XXXX ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ XXXX because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.

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 2022-09-25 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: DC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our home loan was sold to Wells Fargo. For the past couple of years Wells Fargo sends us notices that we need to provide them documentation for Hazard Insurance or they will purchase this and charge us for it. We have long used XXXX insurance. 

Our concerns are : 1 ). Wells Fargo uses the term " Hazard Insurance '' instead of " Homeowner insurance ''.

2 ). Wells Fargo provides a phone number - " If you have any questions, please contact us at XXXX '' however this number only has programmed information and as far as I could tell no access to ask a persons questions like : * Does hazard insurance mean homeowners insurance? 
* Do you need the entire policy or just a 'proof of insurance '? 
* Do you know when your web site will be working again so I can upload the information? 
* What is the timeline before you purchase insurance and try to make me pay for it? 
* Your letter states " we tried to get the new policy information form your insurance provider but haven't received it yet '' - what actions did you take and how can we fix this so we don't have to do this every year? 
3 ). Wells Fargo provided four options for providing insurance information : a ) Mail it to an address- but there is no indication of when this needs to be received and processed. 
b ) Fax a copy to a number provided- I don't have a fax, so this was not tried. 
c ) Go to a website www.mycoverageinfo.com/wellsfargo - however over several days - XX/XX/XXXX and XXXX, XXXX- this wasn't working " Upload Temporarily Unavailable - We are experiencing a technical issue and this feature is currently unavailable at this time. Please try again later ''. 
d ) Email you policy to XXXX. This ended up working for us after several days. 

Wells Fargo makes it difficult to demonstrate that one CONTINUES to carry home owners insurance.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 i opened a credit account. Both my TransUnion and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed 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 2022-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation