vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 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: AR

Complaint narrative:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Also, under the FCRA section 605b, you are required by law to remove any fraudulent accounts and information that are reporting on my Credit File, I have been disputing for the removal of these fraud accounts and yet you have done nothing! This will be my last attempt to file a CFPB Complaint requesting the removal of the fraudulent accounts and information from my Credit File before I hand over my documents to my attorney. If it is not too much to ask for, please remove the following accounts now! 
XXXX XXXX XXXX XXXX  Opened XXXX XXXX, 2021 Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, 2021 The Credit Bureaus are provided by federal law to respond within the statutory time limit and they still have failed to respond to my letters. I would highly appreciate it if you delete these items from reporting, pursuant of FCRA section 605b, immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TN

Complaint narrative:
There are Misleading and Inaccurate information that are reporting on 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 explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Promise to pay was made with my ex-wife on a card where she is primary and I am secondary. When ex-wife did not pay, there was no attempt by credit union to contact me about the debt. I have siunce paid the back owed amount and continue to pay the monthly to stay on track. Credit Union will not even talk to me about removing the hits from my report when I have been and was the one that stepped up to fix the problem - ONLY AFTER I was informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: FL

Complaint narrative:
checking my credit file I noticed a lot of invalid information on my credit report with Equifax. I am interested in disputing all inaccurate information to help clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: NY

Complaint narrative:
On XXXX XXXX. Three companies ran my credit without my authorization. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes

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 2022-11-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You failed to respond to my dispute letter and you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
Account name Account number 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 2022-11-19 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:
CREDIT REPORTING COMPANY XXXX, XXXX, AND TRANSUNION SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.

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 2022-11-19 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:
CREDIT REPORTING COMPANY XXXX, EQUIFAX, AND XXXX SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
My name is XXXX XXXX and me and my wife are regular XXXX customers. My wifes credit is currently trapped in limbo. She made a payment on XX/XX/XXXX today is XX/XX/XXXX, we either want our money refunded or our credit to be reflected on our account accordingly. 13 days is plenty of time for credit to be reflected and a payment processed. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Atlanticus Services Corporation
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
When I split insurance from my ex-wife in XXXX of XXXX they failed to remove my vehicle and my bank account number even though they said they split our profiles. The charges stopped that fall but restarted in XXXX of XXXX. I could not figure out the duplicative charges and XXXX assured me it was fine. They would not tell me then as well as now where the payments on my banking account were going. I called Navy Federal and only now after they began to show on the bank account when asked where the charges were going that it was my ex-wife XXXX XXXX ( now XXXX ). She had been removed from the bank account in XXXX of XXXX as well and they don't view it as wire or bank fraud even though she is not an authorized user. XXXX still insists that is up to my ex-wife XXXX to call them back and removed the bank account. She has no incentive to do this and would continue to charge it if I had not found out. XXXX continues to insist that I authorized the charges however I didn't and XXXX is not an authorized user of the bank account. Navy Federal also does not consider this bank or wire fraud. Navy Federal will not reimburse me for my charges more than 60 days old and wants XXXX to cover them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: CarMax, Inc.
State: NY

Complaint narrative:
On XXXX XXXX. Three companies ran my credit without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX CARMAX  These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX. XXXX companies ran my credit without my authorization. 

CAPITAL ONE AUTO XXXX XXXX XXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items 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 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 non-monetary relief
Consumer complaint received 2022-11-19 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: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX Bankruptcy Reference # XXXXXXXX XXXX  Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: MI

Complaint narrative:
I have reached out to Transunion numerous times. Regarding an account XXXX also know as XXXX. This account is reporting unlawfully. I have sent letters in regards to this issue. This account should be removed from 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 explanation
Consumer complaint received 2022-11-19 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:
XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX I have asked all the credit bureaus to do an investigation on my account ( s ) with XXXX  which they did. The results stated everything is accurate although it appears to be a few inconsistencies, are currently reporting on my credit report. 

In accordance with the Fair Credit Reporting act XXXX Account # Has violated my rights. 15 U.S.C 1681 section 602A, which states I have the right to privacy & 15 U.S.C 1681 Section 604A which also states a consumer reporting agency can not furnish a account without my written instructions. This will truly help me in my process to raising my credit score, & I thank you in advance.

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 2022-11-19 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today i tried to make a global transfer to aNother citi bank account and was told for security reasons i could not. Although i was transferred to the fraud department and they did not see any fraudulent activity and escalated the call to supervisor XXXX XXXX to unblock the account after verifying my account by asking me all the security questions needed she could not tell me why and instead said its for security reasons and told me to try again another day. My money is being held hostage and as a consumer i have a right to access my account and withdraw as i please ESPECIALLY when the fraud department stated my account didnt have any fraud. AT THE VERY LEAST I SHOULD BE GIVEN A REASON WHY

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 2022-11-19 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. states I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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