vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$150.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$180.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 2022-07-22 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 US 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 absolutely 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 explanation
Consumer complaint received 2022-07-22 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My bank XXXX XXXX XXXX XXXXXXXX ) alerted me that I have been a victim of identity theft. I ran my credit report through XXXX and found multiple soft credit checks from a company I did not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dates checked : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: IL

Complaint narrative:
I have repeatedly submitted accurate paperwork to the credit bureaus XXXX, XXXX and Transunion concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau XXXX, Transunion and XXXX had showed the account as having four positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from XXXX from XXXX and the same account with XXXX XXXX in 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 2022-07-22 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: IL

Complaint narrative:
I have repeatedly submitted accurate paperwork to the credit bureaus XXXX, Equifax and XXXX concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau XXXX, XXXX and Equifax had showed the account as having four positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from XXXX from XXXX and the same account with XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely 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 explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out on several occasions to Experian because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or XXXX. I have followed the prompt and reached out to both XXXX and XXXX to fix the supposed issue of them having information that doesn't match that of Experian. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the XXXX score or report XXXX  XXXX of 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 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Three ( 3 ) Unauthorized XXXX transfers via Bank of America ( BoA ) totaling {$5700.00}. On XX/XX/XXXX, Bank of America, via XXXX, transferred {$290.00} from my BoA checking account to an unauthorized recipient. On XX/XX/XXXX, BOA, via the XXXX XXXX, transferred {$3500.00} to the same unauthorized recipient. On XX/XX/XXXX, BoA, via XXXX, transferred a final {$2000.00}, from my BoA account to an unauthorized recipient. My initial contact for that unauthorized recipient was via an email address. At some time unknown to me, someone changed the initial contact email, via which I had sent a past payment to an authorized recipient, and had no reason to change the destination email, to an unauthorized telephone number by which the 3 erroneous transfers were made. Beginning on XX/XX/XXXX, I have had extensive discussions with BoA, and it twice now has reviewed my past claims, and denied the {$5700.00} claims. BoA claim Number XXXX. I have had multiple discussions both with the civil and fraud sides of BoA. BoA states only that I had authorized the three transfers, but has yet to submit any documentation to me indicating by what documentation it has arrived at that conclusion. The last BoA contact I had was in XXXX of XXXX. I recently read of the CFPB 's interest in XXXX transfer issues, and decided to file this complaint. I likewise filed claims to the FBI 's ICCC ( Internet Crimes Complaint Center ) on XX/XX/XXXX, but heard nothing back. Finally, I notified XXXX XXXX ( I live in XXXX ), as supplemented by additional information on XX/XX/XXXX, but have heard nothing back from that local complaint ( ID IR # XXXX ). I likewise notified XXXX, but have had no substantive discussions with it. 

Finally, I contacted the unauthorized recipient 's phone number repeatedly, but, of course, have had no response. BoA did alert me to the recipient 's XXXX ( I also live in XXXX ) bank, and I spoke with its fraud staff about the fact that one of its customers, whom I identified by name, and dates of transfers, as well as amounts, had received and accepted unauthorized transfers. I have no idea what, if any, actions that bank ( XXXX XXXX ) took vis a vis the account holder. As a former XXXX XXXX for a publicly-traded, XXXX XXXX  company XXXX ( XXXX XXXX  ), I understand full well how frauds occur, and was shocked at the treatment I have received from all other parties to these financial transactions. I have paperwork to support all of my claims for you in needed, and would be happy to speak further with a CFPB representative.

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 2022-07-22 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:
In accordance with the Fair Credit Reporting Act, XXXX and XXXX ( XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an existing credit freeze with all XXXX credit reporting companies since 2014. I have had special pins and log ons and was always able to unblock my credit for specific companies for short time periods. 

Currently I can not un block my credit with Equifax. I have tried to reset my pass word 3 times online and can not get anyone on the phone after multiple calls. 

I DO NOT WANT ANY OF THEIR STUPID MEMBER XXXX, i don't want emails I just want to block and unblock my credit reports when I need to. 

Currently, XXXX XXXX is reporting an Equifax Member XXXX set up is blocking all 3 credit reports to their company to complete a mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid {$1500.00} as a down payment via Pentagon Federal Credit Union ( Penfed ) for XXXX XXXX XXXX XXXX ( XXXX ) to remove and replace my 11 year old master bathroom shower. The contract was sighed on XX/XX/2022 and a technician came to my home on XX/XX/2022 to take measurements. No one else from XXXX has been to my home since. I filed a credit card dispute with PenFed C/U, of which, I was recredited the {$1500.00}. In XXXX 2022, XXXX rebutted the charge by stating that they had completed the installation of the new shower. XXXX XXXX XXXX in the credit card dispute department reversed the credit she had given me because of their rebuttal. I had to go through the manager XXXX XXXX to have her call me to explain why the credit was reversed. She stated that she had sent me a letter explaining why, I never received any such letter from her! I asked for a copy of XXXX rebuttal which she finally sent to me. Besides XXXX stating that they had completed the project, they sent in a picture of my present 11 year old shower that their salesman or technician had taken. I took pictures of my current 11 year old shower and a new contract quote from another contactor which shows that the shower isn't new. Therefore, I filed another dispute which XXXX XXXX has refused to process or contact me concerning the issue although I've made numerous requests as far as the status of case number : XXXX. I'm now locked out of the contact with the manager, XXXX XXXX. I am a 100 % disable veteran on a fixed income and I need my {$1500.00}.

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 2022-07-22 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:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

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 2022-07-22 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:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation