vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 connot furnish an account without my written instruction.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 connot furnish an account without my written instruction.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My bank XXXX XXXX XXXX XXXX merged and became the Pentagon Federal Credit Union, where account numbers, routing numbers and other information were changed from XXXX to the Pentagon system. There were problems and errors by these entities during this merge. 

Once Pentagon FCU allowed website online access, I had to call in at least 3 times to correct problems from checks and deposits. I have had direct deposits of my XXXX State pension and Social Security XXXX since XXXX into Pentagon FCU. 

I recently called this week XX/XX/XXXX into the Pentagon FCU and was told during a security check, that my SS # did not match the one on file at Pentagon FCU. The XXXX  did confirm my identity thru other methods. I was told to scan my documents and upload them to have the change made. I have done this more than once over the last two days with resulting incompetence at Pentagon FCU in resolving this matter. 

Secondly, my call was to receive a 'detailed report ' of the 'monthly withdrawal transactions ' from my XXXX XXXX checking account involving my XXXX, XXXX, and current XXXX external payments to my 'mortgage company at XXXX XXXX '. The limited and archaic website at Pentagon FCU does not allow a ''search '' of certain transactions for specified dates, and to print this out. 

These complaint are about Customer Service and Responsibility which is lacking here.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A 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 2022-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A 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 2022-07-22 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 XXXXXXXX XXXX XXXXXXXX account number 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 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 account number 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2. XXXX ( XXXX  ) XXXX XXXX, XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need the CFPB to do what is fair and equitable according to the law. As a consumer protection agency, you have a duty to delete what I have identified as erroneous. The companies I have listed is appearing the efficiency of the banking system. CFPB has an obligation to meet my needs and to remove improper utilization of my information without my consent.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This will be the 3rd attempt to stop Experian from reporting ten closed accounts for the US Department of EducationXXXX and ten closed accounts XXXXDept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX XXXX to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and Experian is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.

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: TN

Complaint narrative:
I have disputed this account with Equifax multiple times via certified letters in the past ( see attached letters titled round 1, 2, 3, 4 ) and yet they continue to report inaccuracies and they have ignored my factual complains of their inaccurate reporting on this account. 

I am hoping that the CFPB will actually do something this time about this inaccurate account reporting. I have attached the most resent Equifax report on this account and have requested in another certified letter to Equifax that they either correct or delete this account for inaccuracies. As usual they have done neither. 

Look at the Payment History ( see attached XXXX ), it is all over the place. They are reporting this account is : 30 days late in XXXX and XX/XX/XXXX ; 60 days late in both XXXX and XX/XX/XXXX ; and 180 days late from XX/XX/XXXX to XX/XX/XXXX. HOW CAN THAT EVEN BE POSSIBLE? 

I contacted the original creditor and they have informed me that this account belongs to a man with the same name as mine who died in XX/XX/XXXX. WHY IS EQUIFAX REPORTING THIS?

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: GA

Complaint narrative:
Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, Equifax, and XXXX look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, XXXX, and Experian look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.

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: 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a request from BofA on XX/XX/XXXX to confirm my email address for online banking. Since I am not a BofA customer, I called the fraud department to make sure that there wasn't anything open and they assured me that there was not. 
I received a statement today ( XX/XX/XXXX ) for an account that was opened in the name of XXXX XXXX. I called the BofA fraud line and passed the initial screening by using the account number on the statement and the last four of my SSN ( which means that someone does have my SSN ). I am not sure how BofA allowed an account to be opened without ID, but this is similar to the incident I experienced with XXXX in XXXX, XXXX where someone opened a checking account with that same name and SSN.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I got a call from Bank of Americas Fraud number. They claimed I had unusual activity and asked if I authorized a payment in Florida and XXXX to a person. I said hi and so they said my account had been compromised they need to lock it. They sent me a confirmation code from boa like they always do to verify it was me. I read them the code and then I was locked from account while on phone and they said it was locked due to fraud and that my money {$2400.00} transferred from XXXX would be returned in a few hours and to call back if it hasnt. I called back and no one at Bank of America says they talked to me it must have been a scam. I immediately filed a claim and waited 10 days and Bank of America denied me my money back saying they dont believe it was fraud. I have now filed a police report and this trying to get my case reopened for my money. Bank of America on average takes 3 hours to reach a human and I dont trust anyone I talk to as it could be another fraud since their number is who called me an already had access to my account. This may be an inside job from an employee as no one will help me there. I thought regulation E helped cover fraud transfers electronically. XX/XX/XXXX my account was hacked and a XXXX  transfer for {$2400.00} took place that Bank of America will not help me and are saying its not fraud

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