vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
**AFFIDAVIT OF TRUTH** XXXX OF XXXX XXXX XXXX XXXX I XXXX XXXX XXXX , hereby declare under penalty of perjury that the following is true and correct to the best of my knowledge and belief. 

1. I am a natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX. 
2. I have been appointed and accept being the executor both public and private for all matters proceeding. 
3. I will do business as ( d/b/a ) XXXX, XXXX and autograph as the agent, attorney in fact. 

**Whereas : ** - I am of age and majority. 
- I give this notice to all and make a solemn oath to the one and only most high of creation only, whoever that may be. 
- I depose the following facts, now present : **Fact : ** The Truth in Lending Act is intended to inform consumers about the cost of credit. 

**Fact : ** The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors, and I have been abused and deceived. 

**Fact : ** I am aware and have proof in attachment labeled as Exhibit A that XXXX XXXX XXXX  is in violation of 15 USC 1605 ( a ) ( c ) and 15 USC 1635. This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligor 's loss, and/or property damage. XXXX XXXX XXXX did not include my insurance in my finance charge. 

**Fact : ** I am aware and have proof in attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. XXXX XXXX XXXX in fact took cash as shown in attachment labeled as Exhibit A & B. 

**Fact : ** I am aware and have proof in attachment labeled as Exhibit A and Exhibit B that XXXX XXXX XXXX is in violation of 15 USC 1611. XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 
**Fact : ** I affirm these events happened on XX/XX/year>

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 2024-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a notice from a collection agency for an overdue bill with XXXX XXXX XXXX for the amount of {$1600.00}. I told the collection agency that I use to have service with XXXX XXXX XXXX but transferred my phone number in XXXX XXXX to XXXX. I mentioned that I had been with XXXX XXXX XXXX  for many years without issue but I did not reactivate service in XX/XX/XXXX. The collection agency told me to contact XXXX XXXX XXXX. They provided with the appropriate number and I called XXXX XXXX XXXX and let them know that it was not me who activated service in XXXX XXXX. I told them I switched to XXXX and signed on to my dad 's account in XX/XX/XXXX. I asked XXXX XXXX XXXX if a photo ID was provided when service was activated. They would not tell if a photo ID was provided. I asked them to send me a copy of the application so I could see where the phone was sent. I told then my current address and said I have been living at this address since XX/XX/XXXX. I said if the application has another address where the phone was sent, then it clearly was not me. Again, I asked them to send me the application so I could see the information as well as the signature of the person claiming to be me. Again, I said if there was not photo ID provided, then I I said they were laxed in providing servoce to this person. The lady thing I said to XXXX XXXX XXXX was that if they do not send me the application to my current address, then they would not be able to hold me responsible. It is now XX/XX/XXXX and I have still not been provided an application or the photo is used to activate service.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request information about my credit report in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ). Please provide the following details related to my credit report : * A complete and accurate disclosure of all information in my credit file. * The sources of the information in my credit report. * The names and addresses of any third parties who have received a copy of my credit report within the past six months ( or two years for employment purposes ). I am exercising my rights under Section 609 of the FCRA, and I understand that you are obligated to furnish this information within 30 days of receiving my request. Enclosed is a copy of my identification for verification purposes. I kindly request that you provide me with copies of the documents currently in your possession, as of today 's date, that were used to verify the accuracy of the accounts listed below. As per the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to request the disclosure of all documents recorded and retained in your files concerning these accounts at the time of this request. I urge you not to simply confirm the verification of these accounts but, in accordance with my rights under the mentioned act, to furnish me with the actual documents used for verification. If, upon review, you find a lack of documentation in your files to validate the accuracy of these disputed accounts, I insist that you promptly delete them as mandated by Section 611 ( a ) ( 5 ) ( A ) ( i ). The inclusion of these inaccurate and unverified items on my credit report, distributed to third parties, has the potential to damage my reputation and creditworthiness. According to FCRA 15 U.S.C. 1681i, all unverified accounts must be expeditiously removed. Therefore, if you are unable to provide verifiable proof for each of the accounts listed below within 30 days of receiving this letter, I request the immediate removal of the account from my credit report. 

XXXX XXXX XXXX Account : XXXX I appreciate your prompt attention to this matter and your cooperation in providing the necessary documentation within the stipulated timeframe. Your assistance is crucial in resolving these discrepancies and ensuring the accuracy of my credit 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I opened the account for new doors through XXXX security doors who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My XXXX  credit report shows my XXXX XXXX Account is delinquent past 30+ days which is incorrect reporting on my credit report. I reached out to XXXX XXXX and they said my account was in Good Standing and no delinquent Payments were on my account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I opened the account for new doors through medallion security doors who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My experian credit report shows my XXXX XXXX Account is delinquent past XXXX days which is incorrect reporting on my credit report. I reached out to XXXX XXXX and they said my account was in Good Standing and no delinquent Payments were on my account with 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 2024-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: ID

Complaint narrative:
I received the loan from First Interstate BankXXXX XXXX XXXX XXXX XXXXXXXX - ( XXXX ) XXXX ) as part of a XXXX  loan package back in XXXX (? ) when purchasing a house. During a XXXX, it was recommended the house would need to be sold/short sale due to financial complications at the time. In XXXX, once the conditions of the short-sale were met, the house was sold ; however, the bank never released this additional loan, saying that it was to be converted to a XXXX XXXX loan. I ended up with a XXXX loan that continued to receive annual mortgage interest statements for several years, but never monthly statements. Over the years I tried to set up an online presence to manage the account, and every time I am left with the loan unavailable online and no statements being sent. I get various reasons as to why I can't have access to this loan online ; this is very frustrating since I have moved many times and traveled for a few years, always having to send via XXXX Mail a monthly coupon and XXXX check. I would like for them to 1 ) reconsider the original decision and make the loan part of the short-sale, write off the loan as I believe it should have been, make restitution to me and clean up my credit report as needed ; and 2 ) at a minimum, give me access and statements, so I can manage it online. The interest I have paid on this loan is well above the original amount of the small loan that was part of the XXXX package. I believe their refusal to put this online and give me access to it is to avoid audit of a fraudulent loan that should have been flagged a very long time ago. In XXXX, we attempted to buy a house and were unable to get the loan we desired, partly because this loan was still listed as a mortgage loan on my credit report. The bank re-named this loan after that, but it shows severe negligence if nothing else. I am now attempting to buy a house again after all these years and would like to make sure this situation doesn't derail another attempt to own a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is reporting as an open account, however it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Motormax Financial Services Inc.
State: GA

Complaint narrative:
Companies are running my credit without my authorization, leaving hard inquiries which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Companies are running my credit without my authorization, leaving hard inquiries which 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Companies ran my credit report without my authorization and left a hard inquiry which 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account # : XXXX Account Type : revolving Institution : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account # : XXXX Account Type : revolving Institution : 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has refused to remove a inaccurate fraudulent account from my credit report since XXXX and they have refused l have reached out through priority mail and certified mail and nothing was done l sent in all required documentation to prove my address as well as my identity l enclosed my FTC Identity theft, report social security card bank statement list of inaccurate accounts I sent a copy of my XXXX  According to the Fair Credit Reporting Act 605b they are to block and delete within XXXX business days. According to 15 USC 1681 section 604 A section 2 : it also states that consumer reporting agency can not furnish an account without my written instructions I have a right to have my information be accurate on my credit report as of right now Transunion is the only credit bureau reporting fraudulent information on my credit report concerning XXXX XXXXXXXXXXXX XXXX XXXX l am asking for your help in this matter

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX 
OPENED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
NOT MINE DON'T NOW ANYTHING ABOUT THIS ACCOUNT

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied in good faith for the CHASE VISA signature account. After good faith application had been summited received hard inquiries on my personal consumer credit report through then received a denial notice. If any portion of this application under the reference number : XXXX has been securitized as a asset backed note under securities act of 1934, within the CHASE Bank and/or any other under SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.

Company response to consumer: Closed with explanation