vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2022 I was called by Truist Bank and asked if i had made two withdrawals that day one for XXXX dollars and one for XXXX dollars at a Truist Bank in XXXX. I told the person that called i had not. she told me to to go to my local branch and to call their fraud dept. which I did immediately. On XX/XX/2022 I received an email from Truist telling me that they completed the investigation and the had refunded the money. no refund ever showed up in my account. today at XXXX XXXX  i received another email stating that they denied the claim. I have proof of all of this. no one can tell me which branch these fraudulent transactions occurred. this has caused undue stress and strain on me. I am XXXX XXXX  XXXX and i have all the stress i can handle. please look into this. i am sure they have cameras in their banks and if they review the tapes they will see who stole the money from my acct. I have copies of the withdrawal receipts that my local branch gave me. the signatures are obviously aren't mine and they are not even signed the same way. i always use my payroll signature which contains my middle initial. one of the receipts has the middle initial and one does not. WHY WOULD SOMEONE CALL ME THAT DAY AND ASK ME IF I MADE TWO WITHDRAWALS FROM MY ACCT? 
something is very odd about this whole ordeal. i just need my money returned.

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 2022-12-13 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: OH

Complaint narrative:
I am a natural person Im a living human being. I have alienable rights under 15 USC 1681 those unalienable rights have been violated multiple times and now Im being discriminated against for false or misleading credit reporting. As the creditor and the secured party I DEMAND these account immediately.. I have the right to privacy, and I did not give written consent to XXXX to furnish these accounts or any other credit reporting bureaus. Id appreciate if you guys would make sure you do your jobs as trustees and get this taken care of immediately and get my score were it should be as a creditor and secured party!. 

By 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 TRANSUNION XXXX / XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX / XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX 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 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 XXXXXXXX, I appreciate your time and effort as I know this is a big list

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 2022-12-13 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: IN

Complaint narrative:
Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on TransUnion is XXXX XXXX XXXX , Account Name on XXXX is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on TransUnion is XXXXXXXXXXXXXXXX, and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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 2022-12-13 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: IN

Complaint narrative:
Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on XXXX is XXXX XXXX XXXX , Account Name on Equifax is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on XXXX is XXXX, and Account Number on Equifax is XXXX ... .. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX  according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX  to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX  should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 


I didnt consent nor benefit from XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

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 2022-12-13 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: TX

Complaint narrative:
XXXX I purchased a vehicle and was not informed of multiple inquires I was told it would be one inquiry which is what I authroized so this inquiry is not authorized and should not be on or a hinderance to my credit by law

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 2022-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
another inquiry on my report i didnt file XXXX XX/XX/2022

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 2022-12-13 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: FL

Complaint narrative:
I have reached out to Equifax and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-13 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: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MI

Complaint narrative:
To Whom It May Concern Equifax Failed To Reinvestigate Unauthorized Inquiries On My Credit Report. Pursuant To The Fair Credit Reporting Act I Have The RIGHT To MAXIMUM ACCURACY. ATTACHED IS MY DISPUTE LETTER & THE DISPUTE RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX XXXX  now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have asked XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 

This is also a direct violation of HIPAA, as it shows sensitive information with medical records and private information. 

Since XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft.

I didnt consent nor benefit from XXXX. If I received goods or services, please have a XXXX XXXXXXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have asked XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

This is also a direct violation of HIPAA, as it shows sensitive information with medical records and private information. 

Since XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX. If I received goods or services, please have a XXXX  XXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

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 2022-12-13 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
The card XXXX XXXXXXXX XXXX XXXX was purchased in XX/XX/2022 and used once to purchase a 1 year subscription to the paramount streaming service. 
The card has been locked up and not used or accessible to anyone since first use. 
Tried to use the card for a purchase on the XXXXXXXX XXXX XXXXXX/XX/2022 and it was declined. When I logged into the card issuer website I found that a fraudulent charge was placed using the card to purchase XXXX gift cards on XX/XX/2022. 
I contacted XXXX and gave them the purchase info and verified that the purchase had nothing to do with me. 
The fraudulent charge was causing my attempted purchase to be declined Contacted the card company ( XXXXXXXX ) on XXXX XX/XX/2022. Was made to enter the card number multiple times then the cvv number multiple times before being placed on hold for 1 hour. When call was finally answered I explained the issue and was told an email would be sent within 5 minutes requesting the information needed to process my dispute but he email was never received. 
Called company again that same day. Same issue with card number and cvv number needing to be entered multiple times. When call was answered after 30 minutes hold time I started to explain that I had not received the email and was being told that it would be 60 to 90 days until a complaint could be pursued and when I started saying that I felt that was unacceptable the call was disconnected from their end. 

The process and hold times needed to contact the company makes it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I made a deposit of {$1000.00} on the ATM at Rockland Trust Bank  in XXXX Massachusetts and the deposit went through but in the next morning the money was gone I called them and they promptly credited the money to my account and I thought all the issues were resolved but then on the same day later the money was taken again and when I called them, they started another report and told me that the problem was with the ATM that I used and since then I've been calling every day and it's been almost a week. Actually it's been one week and I called them today and they said they have no answer they can't help me and I don't know what to do. I am missing {$1000.00} and I really needed the money to eat and right now it's causing a major inconvenience.

Company response to consumer: Closed with explanation