vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2012 Balance : {$930.00}

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 2022-09-09 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As a charity organization we send funds to help services offering education and medical care for the poor in poor XXXX XXXX. When we tried to send a wire transfer of {$10000.00} on XX/XX/XXXX to the XXXX XXXX XXXX account in XXXX for the XXXX  under this service, the associate at bank of America, indicated that the account has to be in a person 's name even when the account was in the name of the XXXX XXXX We assumed that the bank associate is correct, and we sent the wire in the name of the director of the XXXX XXXXXXXX XXXX instead of the XXXX XXXX name. We also assumed that as long as the account number and XXXX XXXX XXXX are correct then the wire should get to their account in XXXX XXXX XXXX XXXX XXXX XXXX However, when the wire was sent the bank in XXXX returned the wire back due to incompatible name on XX/XX/XXXX to an intermediary bank which is XXXX XXXX  in the US. We have been constantly calling the wire dept for Bank of America almost every week for the past 4 months and visiting the bank branch to try to return the fund bank to our account with bank of America with no success. We have also made multiple visits to both bank of America and XXXX bank to try to retrieve the money back to XXXX XXXX XXXX account in the US but always told that we sent messages to XXXX bank and have to wait for them to respond. When I tried to contact XXXX wire department they told us they can not speak to us because we have no account with them. We were told to go back to bank of America and ask them to talk to them. When we went back to bank of America, they said that XXXX bank got their messages but the money has not come back till now to our account. This has been the most frustrating and exhausting experience to our organization since we started almost XXXX XXXX XXXX. I repeatedly explained to bank of America that this is much needed fund for almost XXXX XXXX XXXX XXXX XXXX XXXX under the care of the XXXX XXXX XXXX but all our words have gone avail. I, here, plea to the CFPB to help us resolve this issue and get us the fund back to XXXX XXXX XXXX XXXX account since the recall of the wire was based on Bank of America associate mis-information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Around XXXX, I saw a great deal of preapprovals on Credit Karma . From the outset, I didn't give it any consideration yet Credit Karma continued to send me a wide range of various preapprovals informing me that I was preapproved for Mastercards, individual credits, and that I can refinance my vehicle. On a regular basis, I would see these offers each time I signed in to check my financial assessment. Following a couple of long periods of being informed that I was preapproved, I assumed I was currently in the ideal spot to apply. I helped such countless proposals through Credit Karma, I began educating my family concerning speculations and excursions we planned to use to these preapprovals for. I at long last applied nearby some time in 2020 and I got denied for 2 Mastercards, and a 3 individual credits. I was XXXX I was exceptionally furious and I felt bamboozled. I was showcased to for a really long time letting me know I was preapproved. THIS WAS Completely false! I was seriously worried! I was sick for quite a long time! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from XXXX to XXXX and was wild. Presently, every time I see preapprovals I promptly close my phone and shut my PC off. This has made me so uncomfortable and restless that I have not actually looked at my acknowledge as often as I should

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

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 9XXXX there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. XXXX there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14XXXX there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 15. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete 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 2022-09-09 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: AR

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Delete this account. 
4. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 12. there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  21. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account.

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

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 2022-09-09 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: CA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2022-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXXXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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