vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: VA

Complaint narrative:
This company have not sent and validation of debt or signed contracts between be & Summit Account Resolution. I have no contracts with this company this needs to be removed and is being misrepresented I have no personal agreements with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
delete accounts that are not mine police report with accounts listed on EXPERIAN and XXXX has been sent out by mail

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 2022-07-25 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.

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 explanation
Consumer complaint received 2022-07-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}

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 2022-07-25 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: TX

Complaint narrative:
delete accounts that are not mine police report with accounts listed on XXXX and EQUIFAX has been sent out by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) Account # XXXX Account Name : XXXX  XXXX Account # XXXX has violated my rights. 

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

15 U.S.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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX Payment amount : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}

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 explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My claim should be honored because my ATM card was stolen from the Company 's ATM machine. I made a deposit that day and the never got the card back. I believe who ever the next person used the same ATM machine stole the card and have used at different stores and restaurants many many times. I reported all the transactions not made by me to Navy Federal credit union on XX/XX/22. I believe my card was used without a password and i don't understand why this bank alerted me days later. Unfortunately, the company said that there was no error. They did not do an investigation. They did not check the camera of their ATM machine. I believe they did not do anything at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XXXX a thief opened an online checking account using my personal information at a company called CHIME bank name is The XXXX Bank. THIS ACCOUNT WAS OPENED WITHOUT VERIFICATION OF IDENTIY. 
I emailed/called Chime to close down the account and I spoke with an employee named XXXX. I explained to her that I was victim of identity theft, and I did not authorize this account to be opened. I was told it would be shut down that day and I would get an email that day with her full name and confirmation. I did not receive anything from her, and I have great concern because she was given my SS # to verify my identity. Since that date I have requested that the detective handling my identity theft case to be sent important information immediately. I emailed Chime and sent them my police report, FTC report, proof of identity. I spoke with XXXX ( I was given a claim number ) at Chime on XXXX and requested that he expedite getting the information to the detective, he was provided with all important documentation. I have growing concern with this company there seems to something suspicious in the handling of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : 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 2022-07-25 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: MO

Complaint narrative:
INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX Account # XXXX has violated my rights. 

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

15 U.S.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 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/2022 we were trying to sell our XXXX XXXX on the XXXX XXXX and we were asked by an individual whose profile name was XXXX XXXX. He wanted to purchase from us using XXXX. He got our XXXX information which is through US bank, and sent us a confirmation that he sent us our {$600.00} for our XXXX XXXX. We then received an email from XXXX that this supposed XXXX used to make it look like we needed to send him {$400.00} to upgrade to a business account so we could get out {$600.00}. The email came from XXXX or so we thought. The only reason we sent {$400.00} was because the email looked legit from XXXX who we use with out US Bank account. US bank didnt even contact to discuss what happened or look at the emails and proof we have. Had we known the XXXX emails were fake we wouldnt have sent {$400.00}. We have the messaged chat and emails for proof. We just want our {$400.00} back. Please help!

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 2022-07-25 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: NY

Complaint narrative:
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 extortion. XXXX XXXX XXXX XXXX XXXXXXXX, NY 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: IA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX I had a balance on it and did a balance transfer to My Discover Card Credit Card , Discover sent an electronic payment to XXXX XXXX XXXX XX/XX/2022 for {$1900.00}, XXXX XXXX said they cant find it, i called them and was told i could not go a balance transfer and would send the money back to Discover, they did not, i assumed it had been sent back to discover, So XXXX did another balance transfer and sent me {$2000.00} to pay off XXXX XXXX XXXX, by the time i did this amount had gone up. So i received the money from discover and paid off XXXX XXXX XXXX, paid a small amount more and paid off XXXX, Discover is now charging me for both balance transfers, one for {$1900.00} and one for {$2000.00}, the later one of {$2000.00} is correct, the {$1900.00} Discover sent is still unaccounted for, Discover said they electronically sent it and have confirmation and XXXX says they cant find it, I have reached out to both companies and Discover said XXXX refuses to talk yo them because they are a third party, Discover says i owe it and my responsibility to get the money back from XXXX, I would think Discover would have a legal department that could make XXXX give the {$19000.00} back to them, and XXXX told me they cant find it, so please mediate between these two companies, i am currently paying the {$1900.00} to Discover, this is not fair to me, and both companies will not get together and works this out. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is my several 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. Assuming no one cares either way, block the noteworthy of any inaccurate information and account in my credit record that came about due to an alleged fraud or extortion. The items are listed below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX Balance : {$1000.00}

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX

Company response to consumer: Closed with explanation