vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : XXXX Amount : {$1300.00} Account # : XXXX Party Owed : XXXX Amount : {$3000.00} Account # : XXXX Party Owed : XXXX Amount : {$2600.00} Account # : XXXX Party Owed : XXXX Amount : {$5500.00} Account # : XXXX Party Owed : XXXX Amount : {$4800.00} Account # : XXXX Party Owed : XXXX Amount : {$6600.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4600.00} Account # : XXXX Party Owed : XXXX Amount : {$5300.00} Account # : XXXX Party Owed : XXXX Amount : {$1.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$6700.00} Account # : XXXX Party Owed : XXXX Amount : {$0.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4700.00} Account # : XXXX Party Owed : XXXX Amount : {$4100.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXX Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX XXXX Amount : {$550.00} Account # : XXXX Party Owed XXXX XXXX Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX EQUIFAX & XXXX HAS VIOLATED MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : XXXX Amount : {$1300.00} Account # : XXXX Party Owed : XXXX Amount : {$3000.00} Account # : XXXX Party Owed : XXXX Amount : {$2600.00} Account # : XXXX Party Owed : XXXX Amount : {$5500.00} Account # : XXXX Party Owed : XXXX Amount : {$4800.00} Account # : XXXX Party Owed : XXXX Amount : {$6600.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4600.00} Account # : XXXX Party Owed : XXXX Amount : {$5300.00} Account # : XXXX Party Owed : XXXX Amount : {$1.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$6700.00} Account # : XXXX Party Owed : XXXX Amount : {$0.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4700.00} Account # : XXXX Party Owed : XXXX Amount : {$4100.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX A Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX  XXXX Amount : {$550.00} Account # : XXXX Party Owed : XXXX  Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX XXXX & EXPERIAN HAS VIOLATED MY RIGHTS.

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 2022-12-03 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had some suspicious activity happen to my online banking. So bank if America decided they would no longer access to. My online banking until I showed up in person to a branch to prove my identity. Now this is after I've had my account for 4 years never had an issue never overdrawn never bounced a check. So the problem with this is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've been calling begging proving my identity over the phone the phone for over a year and half. You'd think to there would be notes in my account. Also I like using cash app and gave been for about 11 months every transaction has been a cash app transfer or bill pay ect. Well every month on the 3rd every transaction which is done by me they flag it and force me to sit on my phone for 6 hours some times longer to calm the security of suspicious activity alert and revoke my transaction. This has been going on the past 3 months now. So I would love to link my account by providing my log in credentials to other app such as XXXX XXXX  XXXX but since I have no online access I'm limited and forced to call at least 1 once a day if I choose to pay a bill or send money to my landlord to stop any and all flagged transactions. I feel like because I'm unable to get to a branch there punishing me because of my XXXX, all I want is full access to my money like everyone else. There have been emergencies were I couldn to get medicine or even help my grandbabies with hospital bills because they've locked my account once again due to my transactions

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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX we filed claim number XXXX with Wells Fargo Bank NA disputing unauthorized transactions made between XXXX XXXX XXXX  and XX/XX/ totaling {$1400.00}. 

Wells Fargo denied the claim. We disputed the denial and they again denied the request for reimbursement. 

The charges are from restaurants and food delivery services in XXXX XXXX XXXX  We reside 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 monetary relief
Consumer complaint received 2022-12-03 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: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX 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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
My wife, XXXX XXXX, and I closed on our co-op on XX/XX/XXXX, with the first payment with Guaranteed Rate due on XX/XX/XXXX. In XXXX, we received notice that our loan processor was changing and payments should be directed to XXXX as of XX/XX/XXXX. We made the XXXX and XXXX payments to XXXX. Sometimes after our XXXX payment was sent, we received notice that our loan processor was once again changing, to XXXX, effective XX/XX/XXXX, but that previous payments would be credited. As yet, neither the XXXX nor the XXXX payments have transferred to XXXX XXXX. After discussing our issue with the loan servicer, we were assured that our credit wouldn't be affected and that we would not receive any additional interest, fees or penalties on our account while it was worked out on their side. However, as of yet only our XXXX payment to the new servicer has been received, which was credited to the XXXX balance. 

On XX/XX/XXXX, we received XXXX notices, all dated XX/XX/XXXX, threatening foreclosure due to the unpaid balances. At that time, the last email we'd received from the XXXX, XXXX XXXX, was on XX/XX/XXXX. We followed up 3 times between the XX/XX/XXXX email and our receipt of those notices on XX/XX/XXXX. 

As yet, we have not heard any material updates from XXXX, XXXX XXXX, or Guaranteed Rate. We will be making our XXXX payment in accordance with the terms of our agreement, but have not yet seen the amounts we paid initially for XXXX or XXXX credited to our mortgage, nor have they been credited to our own bank accounts. During this time, my wife 's credit score has dropped over XXXX points despite her being timely in all of her other covenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: WA

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiry had been made. I'm representing myself by myself and I do not involve any third party for this matter. 
I request that you investigate the XXXX XXXX XXXX XX/XX/2022 inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

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 2022-12-03 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-03 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Current customer with XXXX  XXXX Navy Federal Credit Union. The issue began to occur on Monday XXXX at the Navy Federal XXXX XXXX  XXXX Va XXXX I initiated a question about the XXXX XXXX XXXX at the Branch. It was stated that I can not use the card at Navy Federal ( per a supervisor ), but only for store purchases. The provided information given by the Supervisor was false/misleading to my knowledge that states more available usage than store purchases. I reviewed all of the guidelines for the pre-paid card, but was given a different version. As of XXXX I have been having several issues with my account log-in with resetting my password ( for both ( personal/business ) encountering multiple failed attempts to gain access, and I feel as thou my online/mobile app sign-in attempts have been compromised by the Institution ( NFCU ). No previous issues with my userid/password information other than temporarily unavailable services. I have been banking with NFCU for years this occurrence is very unusual. Customer rights, I called NFCU customer service requesting the name of the last associate to access my account. XXXX XXXX accessed my account on XXXX ( dont recall ) speaking to this person. I feel this is a privacy violation to access my account without a probable cause, or do not recall speaking this associate. I did attempt to make an always ( never missed ) on-time payment on my credit card that was due on today XXXX. I feel as thou my account has been tampered with, and my personal privacy act rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2022-12-03 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: U.S. BANCORP
State: TX

Complaint narrative:
I am writing to you because US Bank is violating the FCRA. I filed a dispute regarding an inaccurate Date of Last Active. They were reporting it as XX/XX/, this account was paid off and they are also reporting a balance. This is another inaccuracy. According to the FCRA furnisher must pay {$1000.00} per violation of account is not corrected. In this case it has not been corrected so it must be deleted from my credit file. 

I have records of the disputes and was advised by my lawyer that I am able to file a law suit with the evidence I have if this account is not deleted. Please investigate this matter. 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