vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$0.00} XXXX XXXX XXXX  {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an 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 2022-05-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a payment on a 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 explanation
Consumer complaint received 2022-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account 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 604 A section also states a consumer reporting agency can not furnish without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open card account under an open consumer credit plan as late for and purpose.

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 2022-05-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: CA

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I recently started to monitor my credit reports and noticed alot of fraudulent inquiries, charges, accounts, etc. I First disputed this particular account from Citi Bank with all three credit bureaus. XXXX, XXXX, AND XXXX ALL " INVESTIGATED '' the Citi Bank Account. All three came back with different answers and all report different information. On XX/XX/2022 I finally called and got ahold of someone at Citi Bank. I spoke to a young women and told her I didn't know my account number or any information about the account because it was opened fraudulently but I noticed it on my credit report and wanted to have it removed and asked her what i needed to do to fix it. She asked me for the account number i told her a second time I didnt have XXXX because the account was opened by somone else. She then asked for my social security number. I gave it to her and she then aksed for my address i gave it to her then she asked if i had another adderss. I told her no. She then said please verify some information for me and asked me a bunch of questions about old acounts and information i should only know. Alot of the questions I couldn't answer. She then asked me for my address and phone number then she tells me to wait for a call from a different department. On XXXX I get a bill from Citi Bank saying I owe them {$350.00}. I check My credit report and they updated The account with my information. Not the Original information and my credit score went down XXXX points and Has a derogatory remark on it. This is not right. I called to have them fix the issue not make me responsible for a fraudulent account. They never called Me or emailed me either. They need to be responsible for this fraudulent inquiries and remarks and making my credit score significantly lower than it was.

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 2022-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 a unauthorized wire transfer was withdrawl out of my savings account without my authorization i sent all the documentation to Citibank to tell them i am a victim of fraud i did not authorize a wire transfer. I was a victim of sim card swap XXXX confirm this

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 2022-05-01 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: Central Portfolio Control Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, 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 a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEMS Last reported XXXX XXXX, XXXX {$71.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
on XXXX I paid off a Collection from : NCB Management Services , Inc. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : NCB Management Services , Inc. 
NCB File # : XXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Atlantic Collection Agency, Inc.
State: CT

Complaint narrative:
In accordance with the credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : 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 2022-05-01 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
In accordance with the credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 for purpose.

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 2022-05-01 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: IN

Complaint narrative:
In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 for purpose.

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 2022-05-01 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:
It is with regret that I submit this. Experian has always been very nice, accommodating, amazing, professional, courteous, and sweet every time I called them throughout the years. For this particular issue, I only sent a letter to Experian via mail and did not contact them via phone. 

On XX/XX/XXXX, I sent a letter to Experian via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
XXXX. Creditor : XXXX XXXX I Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX Please see attached files titled " Experian '' and " XXXX Experian.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

On XX/XX/XXXX I received an email indicating my dispute results are ready. ( Please see attached file titled XXXX Email - Your Experian Dispute Results are Ready.pdf ) I clicked on the link provided in the email. I noticed the seven ( 7 ) hard inquiries I disputed were still there and not removed. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with XXXX delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. If the inquiries have been verified and can not be removed, please provide a thorough and detailed description of how the re-investigation was conducted. 

Thank you for your time and attention to this matter. Please re-investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.

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