vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted request to all XXXX, XXXX, and Transunion regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report.

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service 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 2022-07-23 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: FL

Complaint narrative:
I have written letters to XXXX XXXX letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised XXXX XXXX that I request that they provide evidence that I must pay XXXX  in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).

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 2022-07-23 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: FL

Complaint narrative:
I have written letters to XXXX XXXX letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised XXXX XXXX that I request that they provide evidence that I must pay XXXX  in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).

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 2022-07-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX UNAUTHORIZED HARD CREDIT INQUIRY.

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX UNAUTHORIZED HARD CREDIT INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize having any agreement with any of these account above and i am not liable for these accounts, These alleged debts are not mine i never enterted XXXX signed agreement or completed an original contract with any of them.These inaccurate collections are NOT MINE.I never provided any written consent or premissible purpose for these allege creditors to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted

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 2022-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is violating my federally protective rights accordance to the FCRA. I reached out multiple times via phone, mail and cfpb, for months about inquiries I did not authorize nor did they have my written instructions nor permissible purpose and Transunion failed to dispute or investigate inaccurate, false the information. There are several of the same inquiries which makes no since. I provided a FTC report and they said they do not accept those which will be in violation of 15 USC 1681. Provide me with the Method of the verification letter stating the method used to determine the accuracy and all documents and full proof including every employee contact information, that you received on behalf of the following inquiries. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  ( XX/XX/2022 ) 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 2022-07-23 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: NJ

Complaint narrative:
This is coming from myself and no other person. On XX/XX/XXXX I contacted this company in regards to my right to privacy. This company has been furnishing items on my consumer report without my consent. This is a violation of federal law. I demanded this company to remove these items that are against the law and this company did not comply. In fact they claimed to have done an investigation when in fact there is no investigation needed in my demand to exercise my right to privacy. This is IDENTITY THEFT 18 U.S Code 1028. EXTORTION. 18 U.S Code 872. RACKETEERING 18 U.S Code 1962, FRAUD AND SWINDLES 18 U.S Code 1341 and 18 U.S Code 880 RECEIVING THE PROCEEDS OF EXTORTION. Amongst the FCRA violations like PERMISSIBLE PURPOSE 15 U.S Code 1681b

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 2022-07-23 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I had unauthorised/ fraudulent activity on an XXXX XXXX XXXX account from 2017 which was never investigated but was reported to chexsytems as overdrated and owing {$450.00}. XXXX XXXX XXXX never even did an investigation as stated in contract before providing this inaccurate information. The charges & fees were an result of the fraudulent activity that was never legally or properly investigated which is illegal. Their contract stated any fraudulent activity would be investigated by was not which is a breach of contract on their behalf and illegal to do to an consumer by law.

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 2022-07-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : 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  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 2022-07-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23 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: CA

Complaint narrative:
The following account is listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Account number is XXXX when i applied for this credit card i never received a clear and conspicuous in writing or in electronic form i need XXXX to delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A few years back, I crashed my motorcycle while trying to do a stunt, the wreck was on my block, with witnesses. I hit the street surface, face first, shattering most of all of my teeth, all that was left was sharp jagged pieces, that would cut up the inside of my mouth so bad, with just the slightest bit of movement. I didnt have the fiat/currency to have the work needed to fix them, so I used different social media sights to get donations for the XXXX, Dr. bill was XXXX total, XXXX to start. After a couple weeks of total XXXX, and hours of praying, crying myself to sleep most nights, I went to the Gas Station by my house to check my account, and it was frozen and had a little over XXXX dollars in it, confused I called BofA and asked why, they said it was standard procedure, to flag an account when a sum of XXXX or more is deposited, Im not sure if they meant at once or period, when it adds up to it. They gave me a # to the F.B.I fraud department, I spoke to a lady, told her my side, and she said I would be getting a travelers check. Instead they kept the $ and closed account, and I havent been able to open or even get a prepaid card, tried to ask why, Manager just said call the same # F.B.I. I was blessed and was able to get half the work I needed. Still need the other half of payment to finish work. From all of the cuts, I ended up with XXXX XXXX XXXX XXXX XXXX for along time, thus being the reason for such time, what they did just isnt right, fraudulent even, with total disregard to someone elses well being.

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 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I opened an account with Kraken on XX/XX/XXXX and purchased an undisclosed amount in bitcoin. A day later I had trouble with my Kraken account and I was instructed by Kraken support that " for security reasons your account has been closed. Contact the bank for a Charge Back ''. 
I did what I was instructed and contacted my bank for a " Charge Back '' in the undisclosed amount. I contacted XXXX XXXX XX/XX/XXXX and was told that a charge back was initiated on XXXX. Yet after a week checking in, I found out that no action has taken place. After a few days my bank changed it to a " Fraud Case ''. Since it is an XXXX  transaction ( not protected for service ) I have to work with Kraken. 
The only way to interact with " escalated '' support is via email. I've sent numerous emails that are unanswered. Responses are very " cold '' and unprofessional. I would rate a 0. I will be following up with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : 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  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 2022-07-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : 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 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 2022-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation